Third-party payer or third-party guarantor?
There are two systems for the reimbursement of pharmacy costs: the third-party guarantor system and the third-party payer system.
The third-party guarantor system is the default system provided by the Federal Law on Health Insurance (LAMal/KVG): the insured person pays for his or her medication at the pharmacy and is reimbursed by the health insurance once the annual deductible has been reached.
Within the third-party payer system, the health insurance company receives medication invoices directly and pays them. The policyholder then pays the deductible and his or her share of the costs.
The member health insurers of Groupe Mutuel operate according to the third-party payer system.