Does the family doctor model really save money?
The answer
Yes: a median of CHF 609.60 a year against free choice of doctor, at the same deductible and cover.
Why
In exchange you agree to see your family doctor first. They remain free to refer you to any specialist, and emergencies, ophthalmology and gynaecology are generally reachable directly — the exact conditions vary by insurer.
You are not buying less care: the catalogue stays the one set by law. You pay in freedom of first contact, not in cover.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.