How access to care is organised

LAMal models: understand the care pathway before choosing

Standard, family-doctor, HMO and telemedicine models organise first contact differently. The name alone is insufficient: read the network, exceptions and actual insurer rules.

2026-08-293 Verified Swiss official sources
LAMal models: understand the care pathway before choosing

Questions for the model

First contact

Check who must be contacted first and which exceptions the documents describe.

Network and access

Check providers and channels for the location without sending medical information to the comparator.

Departure from the pathway

Ask in writing how a departure is handled; do not invent a penalty or continued benefit.

Compare pathways, not names

Set written rules against channels that are actually accessible.

  1. First contact

    Start with the relevant document or need. Check who must be contacted first and which exceptions the documents describe.

  2. Network and access

    Compare only like-for-like items. Check providers and channels for the location without sending medical information to the comparator.

  3. Departure from the pathway

    Ask for written confirmation when the actual case requires a decision. Ask in writing how a departure is handled; do not invent a penalty or continued benefit.

  4. Keep evidence

    Archive documents, versions, dated dispatches and replies. A tool or comparison request does not suspend a deadline stated in a decision or contract.

Limits to keep in mind

  • A coordinated model is not automatically suitable for everyone or available everywhere.
  • This general information does not replace an authority’s decision, the policy or the insurer’s terms.
  • ClairAssur does not guarantee a premium, acceptance, cover, reimbursement or outcome.
  • Do not enter a diagnosis, treatment, medical record or any other health data in the comparison form.

Verified Swiss official sources

Each link displays its actual language. English sources are used where available; some official references remain in French, and that fallback is disclosed beside the link.

Next step

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