Family Doctor, HMO and Telemedicine Models: Cheaper Insurance With Rules
How alternative insurance models work, who benefits and what you give up.
4 min read · Insurance & Health
Alternative models reduce premiums in exchange for rules about where you seek treatment.
The models
- Family doctor: your first contact is a chosen family doctor.
- HMO: you go to a group practice.
- Telemedicine: you call first and get advice or a referral.
- Low franchise (300)
- High franchise (2500)
Example with default values. Open the calculator →
Savings and limits
Discounts are often between 5 % and 25 % of the premium. Emergencies, gynaecology and eye care usually are exceptions. Check availability near you.
Who benefits
Healthy people who are comfortable with the rules. Combine the model with the right franchise using the franchise break-even calculator.