Health insurance knowledge base | 3.12.2025
Family doctor model: how does it work and what are the advantages and disadvantages?
Your GP (family doctor) is your first point of contact in the event of medical problems. The coordination of your treatment by the GP provides efficiency and reduces costs. With our GP (family doctor) models KPTwin.doc and KPTwin.win as well as our digital model with GP KPTwin.smart, we pass this saving on to you in the form of generous premium discounts. You can also make use of our free telemedical consultation service 24/7. With KPTwin.win, you can additionally contact partner pharmacies as a first port of call.
How does the GP (family doctor) model work?
If you choose the GP model for your basic health insurance, your first port of call in the event of health problems is always your GP. With the combined model KPTwin.win, you can also contact the telemedicine advice centre or a partner pharmacy, who will discuss your medical needs with you. If necessary, you will receive a referral to a specialist.
Benefits of the GP (family doctor) model
Premium discount of between 10% and 21%
The GP model of health insurance pays off for you as follows: you benefit from a premium discount of between 10% and 21% with and between 7% and 18% with . With KPTwin.smart, you can flexibly involve your GP after using an app – and reduce your premium by 14% to 20%.
