General information on insurance

How am I insured against loss of income?

If you are in an employment relationship, the employer has only a minimal legal requirement to continue to pay a salary during an illness in some cases. Inquire from your employer how long you will receive a salary in case of illness.
If you are self-employed, from a legal point of view, you carry this risk yourself. You may take out daily allowance insurance to minimise this risk.

In both cases, gaps can occur that have grave financial consequences should you be unable to work. We therefore recommend that you take out a policy for the daily allowance insurance plan ÖKK COMPENSA or the insurance for loss of income for corporate clients.

Can I waive the accident coverage in my health insurance plan?

Your insurance document notes whether or not you have accident insurance. You can only waive the accident risk in the basic insurance plan, with a corresponding premium reduction, if you are employed with a weekly schedule of at least 8 hours or more and have mandatory occupational and non-occupational UVG insurance from your employer. Waive accident coverage online.

In which cases do I have to change my insurance policy?

If you are no longer employed or will retire, you are no longer covered by your employer’s accident insurance. Therefore, you need to include accident coverage in your health insurance plan. For an adjustment of your policy, please contact us by phone, mail or online.

Does ÖKK offer a general practitioner model?

ÖKK offers a general practitioner model called ÖKK CASAMED.
ÖKK CASAMED is the cost-efficient HMO and general practitioner system that guarantees comprehensive and holistic medical care. ÖKK offers three insurance types to choose from: ÖKK CASAMED HMO with medical treatment at the HMO centre, ÖKK CASAMED GENERAL PRACTITIONER with medical treatment by a previously selected general practitioner and ÖKK CASAMED 24 with medical consulting by telephone and possible transfer to a doctor in your area. Depending on the insurance type, the contact person is always the HMO centre, the chosen general practitioner or, by telephone, Callmed 24 (telephone consulting around the clock). Emergencies and regular check-ups at the gynaecologist’s and ophthalmologist’s as well as paediatrist’s are exempt from this requirement.
In all three cases, you will be transferred to a specialist if it is medically necessary.