Patient Information · Praxis Dr. Romanos
Family Doctor Insurance Model 2027: Switch, Save, Keep Your GP
The 2027 premiums are out, and many people are now asking whether a family doctor (GP) model is worth it. The real question is almost always the same: can I keep my doctor? How the models work, which deadlines apply, and which insurers let you be a patient with us.
The models at a glance
Basic insurance covers the same services in every model. The only difference is how you access a doctor — and therefore the premium.
Free choice of doctor (standard model): you see any doctor directly. This is the most expensive option.
GP model (Hausarztmodell): you choose a GP from your insurer’s list. Your GP is the first point of contact and refers you to specialists when needed.
HMO model: like the GP model, but tied to a specific group practice or health centre.
Telmed: you call a telephone advice line before every doctor’s visit.
What the GP model means in practice
You see your GP first. If you need a specialist, you get a referral. Emergencies are always exempt, and with many insurers so are visits to a gynaecologist, an ophthalmologist or a paediatrician. The exact exceptions are in your insurer’s policy conditions.
If you go straight to a specialist without a referral, the insurer may refuse to pay. That is the core rule of the model — and the reason for the lower premium.
Medically, the model has a real advantage: one doctor knows your full history, your medication and your results. That prevents duplicate tests and conflicting treatments.
How much can you save?
The discount compared with free choice depends on the insurer, model, place of residence, age and deductible. The federal government’s official premium calculator at priminfo.admin.ch shows whether switching pays off for you: enter your place of residence, year of birth, deductible and accident cover, then compare the models directly.
Deadlines for 2027
If you change insurer, your cancellation of basic insurance must reach your current insurer by 30 November 2026. What counts is the date it arrives, not the postmark. Send it in good time and by registered mail.
If you stay with your insurer and only change model, many insurers allow a little more time. Deadlines differ, though — ask your insurer rather than waiting for the last day.
Which insurers let you register with us
With free choice of doctor you can come to us at any time. Dr. Romanos is listed as a GP for 2027 in these GP and HMO models (as of October 2026):
- Aquilana – CASAMED
- Atupri – CareMed
- Concordia – myDoc
- CSS – Gesundheitspraxisversicherung
- EGK – EGK-Care
- Groupe Mutuel – OptiMed
- Helsana – BeneFit PLUS Flexmed and BeneFit PLUS Hausarzt
- KPT – KPTwin.plus
- Krankenkasse Wädenswil – Hausarztversicherung
- ÖKK – CASAMED HAUSARZT
- Sanitas – Hausarztmodell
- SLKK – HomeCare
- Sumiswalder – Hausarztmodell
- SWICA – Favorit Casa, Favorit Medica, Favorit Medpharm and Favorit Multichoice
- Sympany – casamed hausarzt
- Visana – Managed Care
Telmed models and HMO models tied to a specific health centre are not possible with us.
No guarantee: we checked this list on the insurers’ doctor searches in October 2026. Lists can change. Before signing up, please confirm with your insurer that Dr. Romanos is listed in your model.
How to switch to us
Choose a model from the list and name Dipl. med. Charalampos (Harris) Romanos, Bahnhofplatz 5, 8001 Zürich as your GP when you sign up. Many sign-up forms ask for the ZSR number: D581931 (network ZGN). Then book your first appointment online.
You do not need to inform your previous practice. You are welcome to bring earlier results.
Next step: Book your first appointment — we start with an introductory consultation.
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