Standard — full free choice
Most expensive but full freedom — see any doctor or specialist, no gatekeeping. Useful if you follow a specific specialist long-term.
Family doctor (-14%)
Designate a GP as your entry point. They refer you to specialists when needed. The premium is reduced versus the standard model, by a proportion that depends on the insurer. Minor downside: check your current GP is in the insurer's network.
HMO (-20%)
Visit a partner health center first. Pros: longer hours, radiology/lab/specialists on-site. Cons: it's a specific clinic, not your usual GP. Often the model with the largest premium rebate, varying by insurer.
Telemedicine (-17%)
First call to a medical hotline 24/7 (doctors/nurses). Many cases resolved by phone. Great for tech-friendly young adults. The premium is reduced versus standard, by a proportion specific to each insurer.
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