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Cheaper insurance models without free choice of doctor

What insurance model do you have? While having a free choice of doctor may be practical, it also means that you pay higher premiums. An alternative contract model can help you save money on premiums without compromising on benefits. The only difference is your first point of contact.

We offer the following models:

See your own doctor first

Family doctor model

  • You consult your family doctor whenever you’re concerned about your health. They’ll make sure you receive the best possible treatment and refer you to a specialist if need be.
  • How you benefit: family doctors get to know their patients well and can treat you quickly and efficiently thanks to this personal relationship.
Details of the family doctor model Calculate your premium

Consult your network doctor first

HMO model

  • If you have any health problems, you first go to a doctor within your group practice or doctors' network. They will advise you and coordinate the next steps to be taken. 
  • You can take out this form of insurance if you live in the catchment area of a doctors' network or group practice.
Details of the family doctor model Calculate your premium

Telephone advice first

Telmed model

  • If you have any questions or problems, you first call our hotline. Doctors and other professionals are available to provide advice 24/7 and will send you to see a doctor if necessary. 
Details of the Telmed model Calculate your premium
Recommendation

Telemedicine & the family doctor model combined

Multimed model

  • Here you have the choice of who to contact first. This can be handy if you experience symptoms outside of practice opening hours, for example. We make sure that your family doctor and the telemedicine centre regularly compare notes.
Details of the Multimed model Calculate your premium
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