Health Insurance

With the Standard Model of basic insurance, you choose your doctor entirely according to your preferences – without restrictions. If you have health problems, you can consult a specialist directly without first consulting a general practitioner. However, this maximum freedom in medical care comes at a price: The Standard Model is generally the most expensive of the basic insurance options.

With this model, you choose a specific family doctor who coordinates your entire medical care. Before you see specialists, you'll usually receive a referral from your family doctor. This approach strengthens continuity of care and often contributes to a reduction in healthcare costs.

With the HMO model, if you become ill, you first go to an HMO group practice—a medical center where primary care physicians and specialists work closely together. Treatment is provided within this network, ensuring well-coordinated and efficient care.

With the Telmed model, you first receive a medical consultation over the phone before each doctor's visit. You receive expert assessments around the clock and then decide together with the consultation team whether a doctor's visit is necessary. This approach often saves costs and ensures targeted medical care.

In addition to the standard basic insurance models, some health insurance companies offer individually tailored options. Depending on the provider, these special models include special benefits, restrictions, or additional advantages and can be tailored specifically to individual needs and life situations.