Health

Telemedicine in a nutshell: Everything you need to know

Share on Facebook Share on Twitter Share on LinkedIn Share on Xing Share by email

Travelling to the doctor’s office, showing your insurance card and sitting in the waiting room next to other patients – this is what a doctor’s visit used to look like. With telemedicine, however, this has fundamentally changed.

Telemedicine allows diagnoses and treatments to be made and carried out – at least in part – from your living room at home. For this purpose, a remote treatment is usually conducted via a video consultation. This combines medical care with the opportunities offered by the digital age.

Telemedicine: What is it all about?

Telemedicine enables doctors to provide medical services digitally and from a distance. They use technologies such as video calls, apps or special platforms to make diagnoses, issue prescriptions or monitor treatment. This modern form of care combines the classic standards of medicine with the possibilities of digitalization.

What is it like in practice

A patient has a migraine attack and can’t leave the house. During a video consultation, she describes her symptoms to a doctor. Immediately after the consultation, she receives the prescription digitally or can pick it up at the pharmacy. It is also possible to extend a certificate of incapacity for work in this way.

Telemedicine is an important supplement to traditional medical care and makes everyday life easier for both patients and professionals. Telemedicine has three specific objectives:

  • Reducing healthcare costs 
  • Compensation for the shortage of medical staff
  • Ensure access to the best possible health care for all
  • Teaser Image
    Exclusive services

    With supplementary insurance from AXA, you benefit from exclusive services such as “Pharmacies –Healthcare Advice”. Discover how this offer can make your daily life easier!

    To “Pharmacies – Healthcare Advice”

The advantages and disadvantages of telemedicine at a glance

Like any innovation, telemedicine brings both benefits and challenges. Here is an overview:

Advantages:

  • Time and cost savings: Patients save travel and waiting time. At the same time, insurance premiums for telemedicine models are often 10 to 20 percent cheaper.
  • Reduced risk of infection: Since no personal contact is necessary, there is less risk of becoming infected in the waiting room.
  • Continuous monitoring: Chronically ill patients can receive regular and straightforward care.
  • Better professional exchange: Doctors can quickly exchange information on complicated cases via digital channels.

Challenges:

  • Limited diagnostics: Not all complaints can be reliably assessed digitally, for example during physical examinations.
  • Less personal contact: A relationship of trust between professionals and patients can be more difficult to build.
  • Restricted choice of doctors: Often, there is no free choice of doctor, especially in the case of health insurance models.

Quality through clear rules and expert knowledge

Personal visits are still important, but often a visit to the doctor is not necessary. Telemedicine is subject to clear rules and standards that guarantee a high quality of care. In addition, doctors must complete special training in order to be able to provide telemedical services at the highest level.

The different types of telemedicine

Telemedicine has developed greatly in recent years and now encompasses various models and areas of application. Here is an overview of the most important forms:

  • Video consultation: Sofa instead of a waiting room

    The video consultation is the most commonly used form of telemedicine. It enables patients to contact doctors via a mobile device such as a smartphone, tablet or computer. They can describe symptoms and – if available – upload documents such as findings or pictures.

    When does the video consultation take place?

    • Certificates of incapacity for work: To have a certificate issued or extended, a short conversation is often enough, without the need for a visit to the doctor’s practice.
    • Simple complaints: Thanks to telemedicine, symptoms such as colds, migraines or other temporary symptoms can be discussed digitally and simply with your general practitioner.
    • Psychological counseling: For patients with mental illnesses such as depression, the video consultation is a stress-free way to receive support without having to leave home.

    Please note: Video consultations are only suitable for matters that do not require a physical examination. In acute cases, emergencies or physical symptoms that require an examination, a visit to the doctor’s practice or hospital is still necessary.

  • Telediagnostics: Professional remote diagnostics

    Telediagnostics enables people to transmit medical data such as pictures or videos digitally to doctors. They can analyze the data and make diagnoses based on it or take further steps.

    Frequent areas of application of telediagnostics:

    • Skin disorders (teledermatology): Patients send pictures of skin irritations, suspicious moles or chronic wounds. Doctors assess these and recommend treatment or a personal visit to the practice.
    • Telepathology: In operations where a tumor is suspected, the medical team takes tissue samples and sends them digitally to specialized pathologists. They assess the tissue in real time without having to be on site and thus support the decision on the next course of action.

    Telediagnostics is not only practical, but also allows for closer collaboration between professionals. Even over long distances. In some cases, it can replace an on-site visit, but in the case of complicated findings or limited technical capabilities, it is limited to supporting measures.

  • Teletherapy: Remote support

    Teletherapy is another area of telemedicine that is often described as digital therapeutic support. Doctors and physiotherapists use this concept, for example, to support patients after orthopedic operations. Via video calls, the healthcare professional can check whether the exercises are being performed correctly and can give specific instructions.

  • Tele-expertise: Direct communication between doctors

    Tele-expertise is a digital exchange between doctors and other medical professionals. They can consult on complex cases and discuss treatment options via video conferencing or similar technologies.

    Examples of the use of tele-expertise:

    • In wound care, medical professionals and nurses discuss the healing process of chronic wounds and possible next steps.
    • In acute emergencies, specialists direct emergency paramedics by phone or video to take immediate action.

    Tele-expertise enables close collaboration, regardless of the geographical location of the parties involved, thus improving health care. 

  • Teaser Image
    Switch health insurer or insurance model

    Do the benefits of your insurance model no longer suit you? We’ll show you how to switch your model.

    Read the blog

How does telemedicine work in Switzerland?

Telemedicine, also known as Telmed, is an established insurance model in Switzerland. Alongside the general practitioner and standard model, it is one of the most popular options in basic insurance. In the event of health problems, insureds are obliged to first contact a medical hotline, which is generally free of charge. There, they receive an initial consultation from specialist staff and, if necessary, are referred to a doctor or hospital.

This service is available around the clock, seven days a week, and helps to clarify health concerns quickly and easily. Insureds also benefit from significant savings: The premiums of the Telmed model are generally 10 to 20 percent cheaper than with conventional insurance models.

Please note: In the event of an acute emergency, you should of course consult a doctor immediately or call 144 for an ambulance.

Associated articles

AXA & You

Contact Report a claim Broker Job vacancies myAXA Login Customer reviews GaragenHub myAXA FAQ

AXA worldwide

AXA worldwide

Stay in touch

DE FR IT EN Terms of use Data protection Cookie Policy © {YEAR} AXA Insurance Ltd