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CSS Insurance

Family doctor model

The family doctor model is an alternative insurance model for mandatory basic insurance in which your family doctor is always your first point of contact. They will then coordinate the entire treatment, prescribe generic medicine whenever possible and refer you to the right specialist or to hospital as necessary.

Our products for you: Profit Family Doctor Insurance & FIRST MED

Benefits of the family doctor model

  • The doctor you trusts provides initial treatment and coordinates the next steps
  • Where possible, your family doctor will prescribe less expensive generic medicines
  • In an emergency, you can contact the CSS telemedicine centre 24/7
  • You can consult an ophthalmologist or gynaecologist without a referral from your family doctor

Premiums & discounts

Premiums depend on where you live, your age, and what deductible you choose. With the family doctor model, you benefit from up to 12% premium discount on mandatory basic insurance. By choosing this model, you undertake always to contact your family doctor first, and to submit a referral confirmation if you are referred for further treatment. If you fail to adhere to the rules it will not be possible to reimburse the cost of treatment.


Further details of the family doctor model

Follow the tips under "Save on health insurance premiums" to choose the insurance product that is best for you.

Do you have any questions?

We're on hand to help! Find a CSS agency near you. Our client advisors will be happy to take time to discuss your personal needs.