Telmed
Find out everything you need to know about Telmed and telemedicine in health insurance in Switzerland. From benefits for patients to integration into the healthcare system.
What is Telmed (telemedicine)?
The Telmed model is a variant of health insurance offered by health insurance companies and is one of the alternative insurance models in basic insurance. In this model, the possibility of freely choosing a doctor is limited. This means that in the event of health problems, insured persons are initially obliged to contact the telephone advice centre of their health insurance company. Through the use of telecommunications technology, Telmed gives patients access to medical advice and diagnosis without having to see a doctor in person.
How does Telmed work in Switzerland?
Telmed has become increasingly important in Switzerland in recent years. Health insurance companies offer their policyholders telemedicine options that provide access to medical advice via telephone or online platforms. Patients can describe their symptoms and then receive a recommendation for further steps, be it self-treatment, a visit to the doctor or even emergency care.
Advantages of Telmed for patients
- Fast access to medical advice: Telmed enables patients to receive medical advice quickly and conveniently from home, without long waiting times at the doctor's surgery.
- Cost efficiency: By avoiding unnecessary visits to the doctor, patients and health insurance companies can save costs.
- Improved healthcare: Telmed facilitates early access to medical care, leading to better healthcare and prevention.
The role of Telmed in Swiss health insurance
Swiss health insurance companies recognise the importance of telemedicine and Telmed for future healthcare provision. As part of their benefits, many health insurance companies offer their policyholders telemedicine options that facilitate access to medical advice and diagnosis.
Integration of Telmed into the Swiss healthcare system
The integration of Telmed into the Swiss healthcare system requires close co-operation between health insurance companies, medical service providers and regulatory authorities. A clear legal and regulatory framework is crucial to ensure the quality and safety of telemedicine and to offer patients reliable care.
Challenges and future prospects
Although Telmed offers many benefits, there are also challenges such as privacy concerns and the need for adequate training of patients and healthcare providers. Nevertheless, Telmed is expected to continue to grow in Switzerland and globally as the demand for digital health solutions increases and technology advances.
Which diseases or symptoms can be treated via Telmed?
Telmed is suitable for a wide range of non-life-threatening conditions and symptoms, including colds, gastrointestinal complaints, skin rashes, allergies and much more. However, for serious or life-threatening problems, a doctor should be consulted immediately.
Is Telmed included in my health insurance?
The availability of Telmed services can vary depending on the health insurance company. However, many health insurance companies offer telemedicine options as part of their benefits. It is worth checking your own insurance conditions or enquiring directly with your health insurance provider.
Can I also use Telmed if I have no acute complaints?
Yes, Telmed services can also be used for non-urgent questions or consultations on health issues, such as medication advice, vaccination recommendations or nutritional advice.
Are there any costs for using Telmed?
The cost of using Telmed can vary depending on the health insurance company and the individual insurance conditions. In many cases, however, telemedicine options are included in the benefits provided by health insurance companies or are offered at a reduced rate
Is Telmed an alternative to seeing a doctor in person?
Telmed can be a practical alternative to seeing a doctor in person, especially for non-life-threatening illnesses or symptoms. However, it is important to note that Telmed cannot replace a personal doctor's visit in all cases, especially for serious or acute problems. If in doubt, a doctor should always be consulted.
What technical requirements do I need to be able to use Telmed?
To use Telmed services, you generally only need a telephone connection or access to an internet-enabled device such as a computer, tablet or smartphone.
Are there certain times when I can use Telmed?
The availability of Telmed services may vary depending on the provider. Some services offer round-the-clock support, while others may be available at certain times or only on certain days of the week.
Can I also use Telmed abroad?
The availability of Telmed services abroad may vary depending on the provider. It is advisable to find out in advance about the options and conditions for using Telmed abroad.
Can I also be prescribed medication via Telmed?
In some cases, prescriptions for medication can also be issued via Telmed services. However, this depends on the respective laws, guidelines and regulations of the country as well as the individual guidelines of the provider.
Do Telmed services also offer support for mental health problems?
Some Telmed services also offer counselling and support for mental health problems such as depression, anxiety or stress management. It is advisable to find out about the services available from the respective provider.
Can I also have laboratory tests or other diagnostic tests carried out via Telmed?
Some Telmed services also offer the option of having laboratory tests or other diagnostic tests carried out. This may vary depending on the provider and the patient's individual needs.
Does Telmed also offer support for chronic diseases or long-term health management plans?
Some Telmed services also offer support for patients with chronic conditions or long-term health management plans. This may include counselling, monitoring or medication support.
How can I find out if Telmed is suitable for my specific health needs?
If you are unsure whether Telmed is suitable for your specific health needs, it is best to consult your doctor or healthcare professional. They can help you weigh up the pros and cons of Telmed and determine whether it is the right option for you.
How long does it usually take until I receive an answer or feedback from Telmed?
The response time of Telmed services may vary depending on the provider. Some services may offer a quick response time, while others may have longer turnaround times. It is advisable to check the provider's policy in advance
Are Telmed services suitable for pregnant women?
Telmed services can also provide support for pregnant women, including counselling on pregnancy symptoms, antenatal care issues and support in preparing for birth. However, it is important to ensure that the specific needs of pregnant women are taken into account.
Can I also ask questions about vaccinations or travel immunisations via Telmed?
Yes, Telmed services can also provide immunisation advice, including general information on vaccinations, recommendations for specific vaccinations and assistance with travel vaccination planning.
Can I also ask questions about sexual health or contraception via Telmed?
Yes, Telmed services can also provide counselling and support for sexual health or contraceptive issues, including advice on sexually transmitted infections (STIs), contraceptive methods and sexual health checks.
How can I cancel Telmed health insurance and switch?
You have the option of cancelling the Telmed model on 31 December and switching to another health insurance model. The condition for this is that all premium invoices have been settled. The cancellation period for the Telmed model is one month and your cancellation must be received by the health insurance company by the last working day in November at the latest.
Compare Telmed models
To compare Telmed models from different health insurance companies, you can use the