The most suitable health insurance for you depends on the specific circumstances of you and your family, and so it's a very personal decision.
Broadly speaking, for a family with children or with a stable place of residence, insurance that uses the medical directory may be the best option, as it gives you access to a wide range of health care at a fixed price.
Whereas for people who travel frequently, and also for those who want to always have their trusted doctor available, reimbursement insurance could be the best option.