Family doctor, HMO, telemedicine: which model?
With an alternative model, you agree to a first point of contact before seeing a specialist. In return, the premium drops. The benefits reimbursed stay exactly the same.
Updated on 23.09.2026 · Official sources cited
The available models
- Family doctor: you always see your family doctor first, who refers you on.
- HMO: you go to a health centre in the network.
- Telemedicine: you call a medical hotline before any consultation.
- Pharmacy or combined models, depending on the insurer.
The rules to follow
Emergencies, gynaecological and eye check-ups are generally accessible directly. However, if you see a specialist without going through the first point of contact, the insurer can refuse reimbursement or exclude you from the model.
Who is it for?
Ideal if you already have a trusted family doctor or are comfortable with initial advice by phone. Less suitable if you often see several different specialists.