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Savings models

The alternative models for basic insurance

Anyone who is ill wants rapid medical assistance. Needs vary, but luckily there is the right insurance policy for every need – even with a premium discount. What are premium-saving models and why are they cheaper?

The premium discount: why do we have it?

As well as traditional basic insurance with a free choice of doctor there is also a range of alternative insurance models we call Managed Care models. The difference: if you have a health complaint, you always consult a specific contact in the first instance – a family doctor or HMO centre, a pharmacist or a Medgate telephone/video consultation, depending on your model. They will then determine an appropriate treatment plan for you.

You get the care you need with no red tape or unnecessary investigations. This will keep healthcare costs and in turn your premiums lower.

Sympany offers these savings models

The individual model pages tell you what to do if you have a health complaint, if you need a referral, and much more besides.

flexhelp24
Telmed/practice model
casamed hmo
HMO model
casamed family doctor
Family doctor model
casamed pharm
Pharmacy model
callmed 24
Telmed model
Premium discount
Premium discount
14 to 17%*
Premium discount
10 to 17%*
Premium discount
 6 to 12%*
Premium discount
9 to 14%*
Premium discount
8 to 14%*
First contact
First contact
Sympany partner practice or Medgate telephone/video consultation or the Medgate app
First contact
HMO centre
First contact
Family doctor practice
First contact
Sympany partner pharmacy or Medgate telephone/video consultation or the Medgate app
First contact
Medgate telephone/video consultation or the Medgate app
Choice of doctor
Choice of doctor
The partner practice/Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Choice of doctor
The chosen HMO centre coordinates all treatment and, if necessary, refers the patient to a specialist or hospital.
Choice of doctor
The chosen family doctor practice coordinates all treatment and, if necessary, refers the patient to a specialist or hospital.
Choice of doctor
The partner pharmacy/Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Choice of doctor
Medgate coordinates all treatment and, if necessary, refers the patient to a family doctor practice, specialist or hospital.
Advantages
Advantages
Flexible medical care with no long waiting times
Advantages
General practitioners and specialists all under one roof
Advantages
Your family doctor practice knows you and your family
Advantages
400 times the help with no appointments or waiting times
Advantages
Medical assistance 24 hours a day, seven days a week

Sympany monitors compliance with the rules – both by law and out of fairness towards other policyholders. Anyone who disregards the rules will face financial consequences (e.g. because they need to be moved to a traditional basic insurance plan and no switch is possible for a year or because they have to cover treatment costs if they repeatedly disregard the rules).

Premium calculator basic insurance