What this is really about

A high deductible can make sense if you rarely use medical services and have reserves. A low deductible brings more predictability.

Family doctor, Telmed and HMO models require clear processes. If those processes fit you, they can save money.

A good comparison therefore shows more than the lowest premium; it explains why a model fits your behaviour.

What to pay attention to

• In basic health insurance, benefits are defined by law. Differences therefore mainly concern premium, model, deductible, accident cover and practical access.
• Think about how you actually use medical services. Telmed fits people who are comfortable calling first; family doctor or HMO models fit other habits.
• Calculate deductible and expected health costs together. The lowest monthly premium is not automatically the lowest yearly cost.

Common pitfalls

How Fianza supports you

• Fianza shows premium differences neutrally and explains the factors behind the price.
• If you enter your current solution, it becomes clear whether switching creates a relevant difference or whether the existing setup remains plausible.
• Advice connects numbers with daily life: model rules, deductible, accident cover, family and personal habits are reviewed together.