How to save on premiums?

Save up to 44% of premiums with the yearly deductible
By increasing your yearly deductible, you can save up to 44% of primary health care premiums. Choose from the following options:

Adults	Children
CHF 500	CHF 200
CHF 1'000	CHF 400
CHF 1'500	CHF 600
CHF 2'000
CHF 2'500

You can change your deductible at the beginning of the calendar year. You can change your deductible online here. » Change deductible

Deductible for supplementary hospital insurance
Adults benefit from the ÖKK KOMBI hospital insurance plan*:

with yearly deductible:	ÖKK KOMBI HALF PRIVATE Premium rebate:	ÖKK KOMBI PRIVATE Premium rebate:	ÖKK KOMBI GLOBAL Premium rebate:
CHF 2'000	30%	20%	20%
CHF 5'000	50%	40%	40%

* no deductible option for ÖKK KOMBI General and ÖKK KOMFORT

HMO- und general practitioner system
Great potential for savings in many regions of Switzerland with ÖKK CASAMED. Generous rebates in both basic and supplementary health care.

» Additional information

Rebate for young adults
Young adults (19 to 25 years) save up to 10% on the basic insurance premium.

Family rebate
Children up to 18 years of age receive a family rebate of 50 % on supplementary insurances ÖKK FAMILY and ÖKK FAMILY FLEX . Young people from 19 to 25 years of age receive a 20 % rebate. Condition: At least one parent and the child must sign up for the basic insurance with ÖKK as well as one of these supplementary insurances. The minimum duration of the contract for the whole family is 3 years.

3rd child free of charge
The following prerequisites apply for premium exemption from the third child for the supplementary insurances:

• The child lives in the same household with one parent and both older siblings,
• The child is insured in the same family policy,
• The child has taken out the basic insurance  with ÖKK,
• The older siblings have also taken out the basic insurance with ÖKK and have at least  the equivalent  supplementary insurance cover to the third child,
• One parent has taken out the basic insurance with ÖKK or has taken out an in-patient or out-patient supplementary insurance.

Rebate for unused benefits
For the supplementary hospital insurance with a rebate for release from obligation, ÖKK guarantees a rebate of 20% to 30% if no services are required. For the daily benefits insurance plan ÖKK COMPENSA ÖKK guarantees a rebate of 36% for unused benefits.

Rebate for accidents
Employees that have accident insurance through their employers (employed for at least 8 hours per week by the same employer) can save up to 7% on premiums by waiving accident coverage in the basic insurance plan. » Waive accident coverage online

Aggregated rebate
In the event of conclusion of the ÖKK KOMBI supplementary hospital insurance plan before the 40th or 50th birthday, ÖKK guarantees an aggregated rebate of 20% or 10%, respectively, starting from the 61st year of life. This is valid for ÖKK KOMBI FLEX, ÖKK KOMBI HALF PRIVATE, ÖKK KOMBI PRIVATE, and ÖKK KOMBI GLOBAL.