It’s an alternative model to the standard basic health insurance model. You receive the same benefits as with a standard basic health insurance model but pay a lower premium. In return, you agree to first see the family doctor you have chosen. Your family doctor, also known as “general practitioner (GP)”, examines you and refers you to a specialist if necessary. This avoids unnecessary consultations and helps to reduce health care costs. If your family doctor or another doctor refers you to a specialist, you must ask your GP to draw up a short certificate, i.e. a "referral voucher". Some doctors send it to us electronically. If this is not the case, you can ask your doctor for the referral voucher (a simple signed note is sufficient, mentioning the specialist recommended and the period of validity of the certificate). You can send it to us by post or via your online customer area.