Save on Health Insurance Premiums without Changing Providers? Here’s how!
Autumn is approaching, and with it, the topic of health insurance premiums is once again coming to the fore. Many are wondering whether changing health insurance will bring financial relief. But did you know that changing health insurance is not always necessary to save on premiums?
Perhaps you’ve already wondered if switching health insurance is the key to cheaper premiums. But what if you’re actually satisfied with the services of your current health insurance company? Or if the administrative effort deters you? No need to worry! There is a simple alternative to still save on premiums: simply change the insurance model within your existing health insurance company. The scope of cost coverage remains the same. The only difference is how you, as an insured person, make use of the individual health services. This way you can save without changing health insurance.
A look at the basic insurance models offered by KPT Health Insurance
Telemedicine and online pharmacy (KPTwin.easy):
This model relies on telemedicine consultation and medication delivery. Medical consultations and referrals to specialists are always done by phone. So there is no long journey or waiting times with this model. However, if you prefer a personal doctor’s visit, this model is not the right one for you.
Group practice / health center (KPTwin.plus):
Here you choose the health center that is most suitable for you. The attending physician coordinates all your treatments. This model also offers discounted premiums, which are made possible by a centralized administration.
Family doctor model (KPTwin.doc):
The first point of contact for medical advice is always your chosen family doctor. He knows you best and coordinates all treatments.
Family doctor and telemedicine (KPTwin.win):
This is a combination of family doctor and telemedicine model, where you can both personally visit a doctor and take advantage of telemedicine advice. You decide on a case-by-case basis – premium discounts included!
Free choice of doctor (standard model):
This is the most flexible, but also the most expensive model. You always have a free choice and can go directly to a specialist without a referral.
VAG simply 