Solidarity-based community insurance
Artabana, founded in 1987 in Switzerland, is the first solidarity-based community in the health care sector. Since 1999 Artabana operates also in Germany and counts over 2000 members. The community is based on a network of local groups involving monthly meetings of group members. This is the basis for confidence and security playing an important role in case of illness. If the latter occurs, the concerned person can first cover small costs using his or her personnel health fund. If the personnel fund runs out of money, the coverage can be provided by the health pool of the local group.
The name Artabana is derived from the name Artaban, the protagonist of the tale "The other wise man" by Henry van Dyke. The story tells us about a "fourth" wise man, who is trekking to Betlehem to adore the Christ Child. It is some kind of inspiration while dreaming - thus Henry van Dyke describes it -, which he received in heavy nights of frail health.
There are no restrictions regarding choice of physician, treatment option, drug or remedy. Local societies provide a framework for their members to interact in a spirit of mutual trust and respect, and und jointly determine the appropriation of solidarity fund resources and mutual assistance.
Their aim is to promote variety with respect to approaches for treating disease and illness. Healthcare is not a cookie-cutter affair. Accordingly, they support both alternative and conventional medicine approaches.
Invoices from physicians, practitioners, hospitals and related providers are accessible to all members for review, ensuring responsible use of healthcare services. Financial arrangements with health care service providers are entered into both on the basis of industry fee schedules and without relation to such schedules, as permitted by applicable law.