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Policyholders over the phone face penalties for violations

Consumer Protection warns about Telmed’s model

These health insurance companies face severe penalties without warning

In order to save on insurance premiums, many Swiss consumers have opted for Telmed’s basic health insurance model. But be warned: anyone who doesn’t comply with the requirements can expect huge and potentially expensive penalties.


With the Telmed model, a teleconsultation before visiting a doctor is mandatory. Anyone who fails to comply should expect severe penalties at best.

You can change your health insurance until the end of November. This can save insurance premiums. Anyone who also chooses the telemedicine model of their basic insurance can also save significantly on premium costs – up to CHF1,700 per year.

However, caution is advised here. Clear terms apply to Telmed’s offers: the request must be made and discussed via the app or over the phone before treatment – except in emergency cases. Then the procedure is discussed via the call center and the doctor’s appointment is activated.