Choosing a Swiss Health Insurance Model: Telmed, HMO, or GP

Choosing an alternative insurance model under Swiss basic health insurance (LAMal/KVG) allows you to lower your monthly premium by up to 25%.

1. Telmed Model

You must call a medical hotline for an initial consultation before booking an in-person doctor visit.

• Pros: Significant premium discount (15-20%), 24/7 remote guidance.

2. Family Doctor (GP) Model

Your designated general practitioner serves as your first point of contact for all non-emergency medical issues.

• Pros: Continuous personal care from your trusted physician.

3. HMO Model

You consult doctors within a designated HMO medical practice or health center network.

• Pros: Highest premium savings (up to 25%).