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. Typical saving: CHF 65/month (CHF 780/year). 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. Saves CHF 90/month (CHF 1,080/year).
Telemedicine (-17%)
First call to a medical hotline 24/7 (doctors/nurses). 70% of cases resolved by phone. Great for tech-friendly young adults. Saves CHF 75/month (CHF 900/year).
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