{"premiumYear":2027,"lang":"en","total":153,"offset":0,"nextOffset":25,"models":[{"id":"agrisanokrankenkasseag:standard:Standard","insurerId":"agrisanokrankenkasseag","insurer":"Agrisano Krankenkasse AG","model":"Standard","kind":"standard","premiumYear":2027,"category":"Standard · free choice","evidence":[{"label":"Free choice of doctor","tone":"benefit"},{"label":"Telemedicine cost to verify","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Direct access to doctors admitted under the law."],"cons":["Check service charges and your personal premium."],"evidenceGaps":[],"source":["UFSP – modelli con scelta limitata","https://www.bag.admin.ch/it/assicurazione-malattie-modelli-con-scelta-limitata"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-agrisanokrankenkasseag-standard-standard"},{"id":"agrisanokrankenkasseag:praxis:AGRIeco","insurerId":"agrisanokrankenkasseag","insurer":"Agrisano Krankenkasse AG","model":"AGRIeco","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Doctor selected from a list","tone":"restriction"},{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Specialist referral required","tone":"restriction"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["A family-doctor practice or HMO centre coordinates care and referrals."],"cons":["You must use the assigned practice and follow referral rules."],"evidenceGaps":[],"source":["Agrisano – AGRI-eco","https://www.agrisano.ch/fr/produits/caisse-maladie-assurance-de-base/assurance-medecin-de-famille-agri-eco"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-agrisanokrankenkasseag-agrieco-praxis"},{"id":"agrisanokrankenkasseag:telmed:AGRIcontact","insurerId":"agrisanokrankenkasseag","insurer":"Agrisano Krankenkasse AG","model":"AGRIcontact","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Medgate as first contact","tone":"restriction"},{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Binding care pathway","tone":"restriction"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Initial assessment through a telemedicine centre or app."],"cons":["Check binding instructions and teleconsultation charges."],"evidenceGaps":[],"source":["Agrisano – condizioni dei modelli","https://www.agrisano.ch/fr/services/conditions-generales-et-reglements"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-agrisanokrankenkasseag-agricontact-telmed"},{"id":"agrisanokrankenkasseag:telmed:AGRIsmart","insurerId":"agrisanokrankenkasseag","insurer":"Agrisano Krankenkasse AG","model":"AGRIsmart","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Binding app instructions","tone":"restriction"},{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Telemedicine cost to verify","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Initial assessment through a telemedicine centre or app."],"cons":["Check binding instructions and teleconsultation charges."],"evidenceGaps":[],"source":["Agrisano – condizioni dei modelli","https://www.agrisano.ch/fr/services/conditions-generales-et-reglements"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-agrisanokrankenkasseag-agrismart-telmed"},{"id":"aquilanaversicherungen:standard:Standard","insurerId":"aquilanaversicherungen","insurer":"Aquilana Versicherungen","model":"Standard","kind":"standard","premiumYear":2027,"category":"Standard · free choice","evidence":[{"label":"Free medical advice (phone/chat)","tone":"benefit"},{"label":"Assistance service abroad","tone":"neutral"}],"pros":["Medgate medical advice in Switzerland is free for Standard and CASAMED. This does not mean medical treatment is free."],"cons":[],"evidenceGaps":["cons"],"source":["Aquilana – brochure","https://www.aquilana.ch/content/downloads/Brosch%C3%BCren/broschuere_gut_beraten_2027_de_web_2026-09-30-084558_ttzc.pdf"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms. Specific drawbacks are not documented in the available data; check costs and restrictions in the insurer’s sources.","tablePath":"/en/health-insurance/insurance-models#comparison-aquilanaversicherungen-standard"},{"id":"aquilanaversicherungen:praxis:CASAMED","insurerId":"aquilanaversicherungen","insurer":"Aquilana Versicherungen","model":"CASAMED","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Free medical advice (phone/chat)","tone":"benefit"},{"label":"Family doctor as first contact","tone":"restriction"},{"label":"Assistance service abroad","tone":"neutral"}],"pros":["Medgate medical advice in Switzerland is free for Standard and CASAMED. This does not mean medical treatment is free.","Median premium 9.6% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["First contact: the family-doctor practice. CASAMED is not offered in GE, JU, NE, TI, VD or VS premium region 1; check the practice and municipality.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Aquilana – brochure","https://www.aquilana.ch/content/downloads/Brosch%C3%BCren/broschuere_gut_beraten_2027_de_web_2026-09-30-084558_ttzc.pdf"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-aquilanaversicherungen-casamed"},{"id":"aquilanaversicherungen:telmed:SMARTMED","insurerId":"aquilanaversicherungen","insurer":"Aquilana Versicherungen","model":"SMARTMED","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Assistance service abroad","tone":"neutral"}],"pros":["Median premium 13% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["First contact: the Medgate app or a telephone/video consultation. The price of medical treatment is not stated.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Aquilana – brochure","https://www.aquilana.ch/content/downloads/Brosch%C3%BCren/broschuere_gut_beraten_2027_de_web_2026-09-30-084558_ttzc.pdf"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-aquilanaversicherungen-smartmed"},{"id":"assurabasisag:standard:Standard","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"Standard","kind":"standard","premiumYear":2027,"category":"Standard · free choice","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment."],"cons":[],"evidenceGaps":["cons"],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms. Specific drawbacks are not documented in the available data; check costs and restrictions in the insurer’s sources.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-standard"},{"id":"assurabasisag:flex:FeminaVita","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"FeminaVita","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 5.7% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-feminavita"},{"id":"assurabasisag:flex:Hausspital","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"Hausspital","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"Advance-payment discount","tone":"benefit"},{"label":"Telemedicine subject to cost-sharing","tone":"restriction"},{"label":"First contact: family doctor or telemedicine","tone":"neutral"}],"pros":["First contact: family doctor or telemedicine centre; further care is routed through Assura-approved institutions and their specialists, subject to contractual exceptions.","2% discount for annual or 1% for half-yearly advance payment.","Median premium 10.4% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["The first consultation through the telemedicine centre is charged to the insured person; ordinary deductible and copayment apply.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official document","https://passuraassets01.blob.core.windows.net/blue/cockpit-assets/2026/09/16/Assura-Basis_CSA_Hausspital_2027.01_D_uid_6aaaa2c6eeeb9.pdf"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-hausspital"},{"id":"assurabasisag:flex:PreventoMed","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"PreventoMed","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"Advance-payment discount","tone":"benefit"},{"label":"First contact: doctor, Medgate or pharmacy","tone":"caution"},{"label":"Referral required for specialists","tone":"caution"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 5.7% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: First contact of your choice: family doctor, Medgate telemedicine centre or partner pharmacy (Amavita, Coop Vitality, Sunstore).","Current source, not dated 2027: A delegation notice is required for specialist reimbursement; direct access only for emergencies, eye doctors, paediatricians and gynaecologists.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-preventomed"},{"id":"assurabasisag:flex:QualiMed","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"QualiMed","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 13.4% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-qualimed"},{"id":"assurabasisag:praxis:Gesundheitsnetz","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"Gesundheitsnetz","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 12.3% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-gesundheitsnetz"},{"id":"assurabasisag:praxis:Hausarzt","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"Hausarzt","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 11% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-hausarzt"},{"id":"assurabasisag:praxis:PharMed","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"PharMed","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Advance-payment discount","tone":"benefit"},{"label":"Referral required for specialists","tone":"caution"},{"label":"Partner pharmacy","tone":"caution"},{"label":"Limited geographical availability","tone":"caution"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 13.1% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: Medicines must be bought at Assura-recognised pharmacies: elsewhere they are not reimbursed, even on prescription.","Current source, not dated 2027: Family doctor first; a delegation notice is required for specialist reimbursement.","Current source, not dated 2027: Available in French-speaking Switzerland and most German-speaking cantons, except AI, AR, OW and NW.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-pharmed"},{"id":"assurabasisag:telmed:MediTel","insurerId":"assurabasisag","insurer":"Assura-Basis AG","model":"MediTel","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Advance-payment discount","tone":"benefit"}],"pros":["2% discount for annual or 1% for half-yearly advance payment.","Median premium 13.8% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Assura – official website","https://www.assura.ch/de/grundversicherungspr%C3%A4mie-2027"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-assurabasisag-meditel"},{"id":"atuprigesundheitsversicherungag:standard:Standard","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"Standard","kind":"standard","premiumYear":2027,"category":"Standard · free choice","evidence":[{"label":"Free choice of doctor","tone":"benefit"},{"label":"Telemedicine cost to verify","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Direct access to doctors admitted under the law."],"cons":["Check service charges and your personal premium."],"evidenceGaps":[],"source":["UFSP – modelli con scelta limitata","https://www.bag.admin.ch/it/assicurazione-malattie-modelli-con-scelta-limitata"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-atuprigesundheitsversicherungag-standard-standard"},{"id":"atuprigesundheitsversicherungag:flex:FlexCare","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"FlexCare","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"Several first-contact options","tone":"neutral"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Choose between the initial contact points allowed by the plan."],"cons":["Choice is limited to approved channels and the agreed care pathway still applies."],"evidenceGaps":[],"source":["Priminfo","https://www.priminfo.admin.ch/de/downloads/aktuell"],"detailLevel":"category_only","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-atuprigesundheitsversicherungag-flexcare-flex"},{"id":"atuprigesundheitsversicherungag:praxis:CareMed","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"CareMed","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Doctor selected from a list","tone":"restriction"},{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Specialist referral required","tone":"restriction"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["A family-doctor practice or HMO centre coordinates care and referrals."],"cons":["You must use the assigned practice and follow referral rules."],"evidenceGaps":[],"source":["Atupri – CareMed","https://atupri.ch/de/versicherungen/grundversicherung/caremed"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-atuprigesundheitsversicherungag-caremed-praxis"},{"id":"atuprigesundheitsversicherungag:praxis:HMO","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"HMO","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"HMO network / health centre","tone":"caution"},{"label":"Emergency notification rule","tone":"caution"},{"label":"Direct access for specified services","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Median premium 13.7% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: First contact: the chosen HMO practice, which refers to hospital or specialists if needed.","Current source, not dated 2027: Within 20 days, report referrals by specialists, follow-ups, second opinions, emergencies and accidents to the HMO practice.","Current source, not dated 2027: Without prior consultation: preventive gynaecological check-ups, dental care, eye exams for glasses or lenses; later treatment must be reported.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Atupri – official website","https://atupri.ch/it/assicurazioni/assicurazione-di-base/hmo"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-atuprigesundheitsversicherungag-hmo"},{"id":"atuprigesundheitsversicherungag:telmed:SmartCare","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"SmartCare","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Mandatory first point of contact","tone":"caution"},{"label":"Emergency notification rule","tone":"caution"},{"label":"Paid teleconsultation (CHF 50 on average)","tone":"restriction"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Median premium 12.5% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: First step: the online assessment in the Atupri Medgate app, which sets out the checks and next steps.","Current source, not dated 2027: A medical teleconsultation (chat, phone or video) costs CHF 50 on average.","Current source, not dated 2027: Referrals, follow-ups, second opinions, emergencies and accidents must be reported within 20 days via the app.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Atupri – official website","https://atupri.ch/it/assicurazioni/assicurazione-di-base/smartcare"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-atuprigesundheitsversicherungag-smartcare"},{"id":"atuprigesundheitsversicherungag:telmed:TelFirst","insurerId":"atuprigesundheitsversicherungag","insurer":"Atupri Gesundheitsversicherung AG","model":"TelFirst","kind":"telmed","premiumYear":2027,"category":"TEL_DIG · phone / digital","evidence":[{"label":"Medgate as first contact","tone":"restriction"},{"label":"Mandatory first point of contact","tone":"restriction"},{"label":"Binding care pathway","tone":"restriction"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Initial assessment through a telemedicine centre or app."],"cons":["Check binding instructions and teleconsultation charges."],"evidenceGaps":[],"source":["Atupri – TelFirst","https://atupri.ch/de/versicherungen/grundversicherung/telfirst"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-atuprigesundheitsversicherungag-telfirst-telmed"},{"id":"avenirkrankenversicherungag:standard:Standard","insurerId":"avenirkrankenversicherungag","insurer":"Avenir Krankenversicherung AG","model":"Standard","kind":"standard","premiumYear":2027,"category":"Standard · free choice","evidence":[{"label":"Free choice of doctor","tone":"benefit"},{"label":"Telemedicine cost to verify","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Direct access to doctors admitted under the law."],"cons":["Check service charges and your personal premium."],"evidenceGaps":[],"source":["UFSP – modelli con scelta limitata","https://www.bag.admin.ch/it/assicurazione-malattie-modelli-con-scelta-limitata"],"detailLevel":"conditions","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#catalog-detail-avenirkrankenversicherungag-standard-standard"},{"id":"avenirkrankenversicherungag:flex:PrimaFlex (flexibles Modell)","insurerId":"avenirkrankenversicherungag","insurer":"Avenir Krankenversicherung AG","model":"PrimaFlex (flexibles Modell)","kind":"flex","premiumYear":2027,"category":"FLEX · flexible","evidence":[{"label":"First contact: pharmacy, telemedicine, Ada or doctor","tone":"caution"},{"label":"Transfer to the standard model","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Median premium 11.9% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: Mandatory first contact chosen among four: partner pharmacy, telemedicine partner, Ada symptom checker or family doctor.","Current source, not dated 2027: Repeated breaches of the rules lead to a transfer to the Standard model.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Avenir – official website","https://www.groupemutuel.ch/it/clienti-privati/i-nostri-prodotti/salute/assicurazione-obbligatoria-delle-cure-medico-sanitarie/PrimaFlex.html"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-avenirkrankenversicherungag-primaflexflexiblesmodell"},{"id":"avenirkrankenversicherungag:praxis:OptiMed (Ärztenetz)","insurerId":"avenirkrankenversicherungag","insurer":"Avenir Krankenversicherung AG","model":"OptiMed (Ärztenetz)","kind":"praxis","premiumYear":2027,"category":"PRAXIS · medical practice","evidence":[{"label":"Family doctor as first contact","tone":"caution"},{"label":"Referral required for specialists","tone":"caution"},{"label":"2027 benefits not confirmed","tone":"neutral"}],"pros":["Median premium 12.5% below the same insurer's Standard model (Priminfo 2027 data, like-for-like; indicative)."],"cons":["Current source, not dated 2027: Always the declared family doctor first; for adults the doctor must be on an OptiMed list.","Current source, not dated 2027: When referred to a specialist, a delegation voucher must be sent to Groupe Mutuel.","Outside the agreed pathway the insurer may refuse to pay (Art. 41(4) KVG)."],"evidenceGaps":[],"source":["Avenir – official website","https://www.groupemutuel.ch/it/clienti-privati/i-nostri-prodotti/salute/assicurazione-obbligatoria-delle-cure-medico-sanitarie/Optimed.html"],"detailLevel":"editorial","note":"Official Priminfo category for 2027. Service charges, exceptions and consequences depend on the insurer’s current terms.","tablePath":"/en/health-insurance/insurance-models#comparison-avenirkrankenversicherungag-optimedrztenetz"}],"notice":"Same data as the SaveSwiss web table. Premium year does not establish the effective year of product conditions. Verify availability, current conditions and personal premiums with the insurer and Priminfo. No personalised premium calculation is included."}