How the telemedicine model works
Under the Favorit Telmed telemedicine model, whenever you experience a health problem, you must first call the santé24 online practice on +41 44 404 86 86 before you see a doctor or go to hospital. The doctors and medical experts at santé24 are available to you round the clock.
- Qualified specialists will discuss a suitable procedure with you. santé24 will help you look for doctors and therapists.
- santé24 staff do not prescribe any diagnostic or therapeutic measures, but only offer you their recommendations. The decision on what steps to take is yours.
- No co-payment (does not affect your excess and deductible): For any telemedicine services that santé24 provides (advice, consultations with experts and doctors), as long as basic insurance covers them. Exceptions include: advice and consultations in conjunction with nutrition advice and the psychological/psychiatric counselling service.
- You get a discount of between 4% and 10.25% on your premium When you switch from the Standard basic insurance plan to the telemedicine plan, SWICA gives you a discount of between 4% and 10.25% on your premiums. The exact discount depends on where you live, your age and your chosen excess. Below, we have provided examples of how the minimum and maximum possible discounts are determined under the telemedicine plan: Minimum discount: Adult aged 26 or over, living in Engelberg, excess: CHF 300, no accident cover, standard premium: CHF 452.30, with 4% discount: monthly premium of CHF 429.70. Maximum discount: Adult aged 26 or over, living in Biel, excess: CHF 300, no accident cover, standard premium: CHF 645.10, with 10.25% discount: monthly premium of CHF 579. You can see the possible premium discount for you directly in our premium calculator. Use our premium calculator for an easy way to compare premiums for SWICA basic insurance plans and your potential savings: go to premium calculator.
