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Old 25.05.2020, 12:20
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Health Insurnace: Medbase vs Telemed

A quick question, I'm looking at health insurance for a family member that just arrived... and am a bit confused.

Sanitas offers a few models, includeing

Quote:
Medbase MultiAccess
The choice is yours: health centre, telemedical advice or a pharmacy
You can always choose who to contact: a Medbase medical centre, the telemedicine centre or a Medbase pharmacy
Your contact is responsible for the initial medical consultation
If necessary, your medical centre coordinates any further treatment and provides support throughout the process
Quote:
Compact One
Low-cost basic insurance with digital consultations
Contact Medgate for medical advice
Your Medgate doctor advises you and draws up a personal treatment plan with you
This treatment plan is binding
That said, the Compact One is 20CHF per month more expensive, even though it seems to be a subset of the cheaper one

Any ideas what's going on?
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Old 25.05.2020, 12:45
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Re: Health Insurnace: Medbase vs Telemed

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A quick question, I'm looking at health insurance for a family member that just arrived... and am a bit confused.

Sanitas offers a few models, includeing





That said, the Compact One is 20CHF per month more expensive, even though it seems to be a subset of the cheaper one

Any ideas what's going on?
To my understanding:

Medbase puts you in a sort of lock-in where you have to use medbase medical centers, pharmacies and such.
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Old 25.05.2020, 15:51
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Re: Health Insurnace: Medbase vs Telemed

Call them and ask?

Read the fine print carefully.

In principle, if this is basic insurance, you should have access to all treatments and consultations covered by the law (i.e. Tarmed), but these insurance terms limit you to consult with doctors in a particular network and buy medicines through specific pharmacy networks that may "steer" you towards lower cost options.

It's worth checking in detail what these insurance conditions are, and where the network has available doctors, cabinets, etc. as this can lead to major pain (as in distance to medical centre, waiting times, availability, etc)

Sentences like "This treatment plan is binding" also really worry me, this means a particular doctor can bind you to a treatment that favours the insurance, and this is bad. Doctors are generally independent of the insurance, so this should not be an issue, but you never know when the insurance can try to make use of this clause due to a change in your treatment and then all the burden will be on you to fight it...

Sometimes you get what you pay for. If you have a family member that has complicated medical conditions, it's worth biting the bullet and going for the "standard" model that gives you full freedom of choice of doctor, treatment location, etc....
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Old 25.05.2020, 16:25
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Re: Health Insurnace: Medbase vs Telemed

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Sentences like "This treatment plan is binding" also really worry me, this means a particular doctor can bind you to a treatment that favours the insurance, and this is bad. Doctors are generally independent of the insurance, so this should not be an issue, but you never know when the insurance can try to make use of this clause due to a change in your treatment and then all the burden will be on you to fight it...

Sometimes you get what you pay for. If you have a family member that has complicated medical conditions, it's worth biting the bullet and going for the "standard" model that gives you full freedom of choice of doctor, treatment location, etc....
That's exactly what I was thinking!
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