Free Choice Doctor
Understanding the free choice doctor model in Swiss health insurance
The free choice doctor model is one of the most popular health insurance options in Switzerland, offering policyholders the flexibility to choose any doctor or specialist without needing a referral. This model provides maximum freedom in healthcare decisions while maintaining comprehensive coverage under the mandatory health insurance law.
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The free choice doctor model allows you to visit any doctor, specialist, or hospital of your choice without requiring a referral from a gatekeeper doctor.
Maximum Freedom
You can choose any doctor, specialist, or hospital in Switzerland without needing a referral or approval from a primary care physician.
Comprehensive Coverage
All medical services covered under mandatory health insurance are available, including specialist consultations, hospital stays, and emergency care.
Cost Structure
Understanding the costs associated with the free choice doctor model helps you make an informed decision about your health insurance coverage.
Monthly Premiums
Free choice doctor models typically have higher premiums compared to managed care models, reflecting the increased flexibility and choice.
Franchise (Deductible)
Standard franchise options apply (CHF 300-2,500), with higher franchises resulting in lower premiums.
Copayment
10% copayment on covered services after meeting your franchise, with a maximum annual copayment limit.
Important Considerations
While the free choice doctor model offers significant benefits, it's important to understand both the advantages and potential drawbacks.
Maximum Flexibility
You have complete freedom to choose any healthcare provider, switch doctors at any time, and seek second opinions without restrictions.
Higher Costs
Free choice doctor models typically cost 10-20% more than managed care models due to the increased flexibility and lack of cost controls.
Waiting Times
Popular specialists may have longer waiting times, and you may need to coordinate your own care between different providers.