Overview of insurance products
Insurance models within the compulsory basic health insuranceCompare products >
General practitioner model/HMO model BeneFit PLUS
With the general practitioner model, you always contact your selected GP or HMO group practice for any health problems. Your physician works with you to determine the next steps in terms of treatment and, if necessary, refers you to a specialist or hospital.
As a result, you benefit from the optimal coordination of your medical treatment and can save at least 12% on your health insurance premiums. The medical benefits are the same as with standard basic insurance.
With the general practitioner model, all treatment is coordinated by your GP/group practice – this prevents unnecessary duplicate examinations.
How the general practitioner model/HMO model works
With the general practitioner model, you benefit from the advantages of a central point of contact for all your health problems, and you receive a generous discount on your basic insurance premium. In exchange, you agree to receive coordinated treatment from your selected doctor's practice under this health insurance.
When taking out this insurance, you select a physician or HMO group practice from the Helsana list of physicians as your point of contact for any medical needs.
You receive the following insurance benefits after deduction of the statutory co-payment (deductible/excess/hospital cost contribution) with the general practitioner model / HMO model.
Answers to frequently asked questions regarding the BeneFit PLUS General Practitioner/HMO model: