If your doctor has entered an agreement with us, he/she can send medical invoices directly to the health insurance (“third-party payer” system). Otherwise, compulsory health insurance (LAMal/KVG) provides that insured persons pay for their medical expenses, which are then refunded by the health insurer, upon presentation of the original invoice (“third-party guarantor" system). The insurer deducts from the refunded amount the cost-sharing amounts (deductible and 10% co-insurance).