Telmed & HMO Models Comparison 2026
Insured smartly: Use alternative insurance models and noticeably lower your monthly fixed costs.
What is the Difference?
In Switzerland, you can save massive amounts on premiums by choosing an alternative insurance model. While the standard model (free choice of doctor) allows you to go directly to any specialist, Telmed or HMO models require a designated first point of contact. This reduces administrative costs for insurers, and this advantage is passed directly to you by the health fund in the form of discounts.
- ✔ Telmed: Initial contact via a medical advice hotline (telemedicine).
- ✔ HMO: First point of contact is a group practice (health center).
- ✔ Family doctor: Classic model with your trusted doctor as coordinator.
- ✔ High discounts: Up to 25% cheaper premiums than the standard model.
- ✔ Quality: Same medical services as with free choice of doctor.
Questions about Telmed and HMO
In real emergencies, you of course do not need to call first. You can go directly to the hospital or an emergency doctor. The Telmed obligation only applies to planned consultations.
Yes, you are, but you need a referral from your HMO center. If the center agrees, the costs are covered as usual.
As a rule, the Telmed model combined with a high deductible (2500 CHF) offers the greatest savings potential in Switzerland.
No, changing the model or the health insurance fund is generally only possible as of January 1 (observe cancellation periods).
The 3 Savings Pillars
Choose your path to the cheapest health insurance premium.
Telmed
Maximum flexibility: Initial consultation via phone or app, comfortably from home.
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Efficiency in group practice: Everything under one roof with direct coordination between doctors.
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The proven method: Your personal family doctor coordinates all treatments.
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We calculate for you how much you can save with a model change in 2026. Free and non-binding.
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