Telmed – advice digitally or by phone
Telmed is a version of mandatory basic insurance. You always ask the Symptom Checker in the Well app or the telemedicine centre first whenever you have concerns about your health.Calculate premium
Are you happy to get initial advice digitally or by phone? Are you looking to reduce your premium? Then Telmed is ideal for you.
Under Telmed, you always call the telemedicine centre or use the Symptom Checker in the Well app before making a medical appointment.
The Symptom Checker in the Well-App gives you an initial assessment in just a few minutes. If you need to see a doctor, you can create a time frame for treatment digitally and then go to your chosen doctor’s practice. There is no need to call the telemedicine centre.
Call the telemedicine centre on 058 277 77 77, where medical professionals are available to advise you round the clock. They will help you determine what treatment you need and set a time frame for it.
Premiums depend on where you live, your age and what deductible you choose.
Telmed gives you freedom to act. You have the opportunity to use various digital services in relation to your treatment.
You need a time frame covering the duration of your treatment. You can get one from the telemedicine centre or via the Well app. The treatment must be administered by the specified medical professional. Notify the telemedicine centre if you get referred.
You can find all your time frames for treatment in myCSS. It will also show you when a time frame expires and how you can extend it.
You can share the Symptom Checker results directly with the telemedicine centre. Save other documents in the Well app medical document store and share them with your doctor.
The telemedicine centre will refer you directly to a specialist, for therapy or to a hospital if necessary. You can continue to go to your gynaecologist without a referral for screenings and routine consultations during pregnancy. Because basic insurance pays important maternity benefits.
In an emergency, you can go straight to a doctor. You can then report the emergency directly in myCSS or inform the telemedicine centre within 10 days.
The rules include always using the Well app before seeking treatment, and creating a time frame directly or informing the telemedicine centre. Under the Telmed model you buy low-cost generics, thus helping to lower healthcare costs. That way, you pay lower premiums.
Anyone not following the rules will face financial consequences. You will have to pay up to CHF 500 per doctor’s bill from your own pocket. If you use original products instead of generic medicines, additional costs may arise.
Telmed stands for ‘telemedicine model’. You benefit from the knowledge and experience of the telemedicine centre. This enables a high quality of treatment.
Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors, chiropractors, dieticians, midwives, speech therapists, physiotherapists, ergotherapists, nurses and nursing auxiliaries
Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: Cost coverage according to the tariff, throughout Switzerland, for treatment by recognised doctors with an FMH qualification in the respective field of complementary medicine
Cost coverage without limit to sum or duration in the general ward (hospital/acute-care hospital) in accordance with the current cantonal hospital list
As stipulated in article 12 of the Health Insurance Benefits Ordinance
Cost coverage in the general ward in emergencies for outpatient or inpatient treatment, up to a maximum of twice the tariff of the canton of residence in Switzerland. The special provisions in force under the bilateral agreements apply in the case of EU countries (incl. Iceland, the Principality of Liechtenstein and Norway)
Spa treatments: CHF 10 per day, 21 days per year, plus the cost of medical treatment
Recovery cures: The cost of medical treatment only
7 check-ups during pregnancy and one following the birth, 2 ultrasound examinations for a normal pregnancy, home birth or hospital birth, maximum CHF 150 for antenatal courses, maximum 3 sessions of breastfeeding advice
Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.
Cost of transport: 50% of costs, max. CHF 500 per calendar year
Rescue costs: 50% of costs, max. CHF 5,000 per calendar year
Up to age 18: CHF 180 per year, on a doctor’s prescription
Cost coverage for medically prescribed examinations, treatment and nursing care by recognised Spitex organisations at home or in nursing homes
Cost coverage for severe jaw disease or if treatment becomes necessary because of a serious general illness. Primary treatment of dental accidents (if accident cover included)
Cost coverage for psychotherapy with a doctor
You can plan an appointment with an eye doctor, gynaecologist, midwife or dentist without having to use the Symptom Checker or call the telemedicine centre.