All detailed information
Questions and answers
Basic insurance covers medically required costs in the event of illness, accident and maternity in accordance with the Swiss Health Insurance Act (KVG). Among other things, these include doctor’s visits, stays in hospital on a general ward, medications and emergency treatment in Switzerland and abroad. The benefits are the same at all health insurers, regardless of which insurance model you have. Basic insurance covers the costs of services provided in order to diagnose or treat an illness and its consequences.
With every basic insurance model, you must first pay your chosen deductible yourself. After that, the insurance covers 90% of the additional costs; you have to pay the remaining 10% yourself (known as the excess).
There is an annual limit on the excess: adults pay a maximum of CHF 750, and children a maximum of CHF 350 per year. A hospital cost contribution is charged for hospital stays on a general ward. These statutory cost contributions apply regardless of which insurance model you have.
In addition to the model with a free choice of doctor, there are also insurance models with a restricted choice of doctor. These enable you to save up to 19% on your premiums. ÖKK offers the following insurance models with a restricted choice of doctor:
- ÖKK CASAMED SELECT: the first point of contact for medical questions is the Telmed hotline, the app or a partner pharmacy.
- ÖKK CASAMED 24: telemedical advice via the hotline or the app as the first step – before a doctor’s visit, if required.
- ÖKK CASAMED GENERAL PRACTITIONER: your general practitioner is your first point of contact in the event of medical issues.
- ÖKK CASAMED HMO: the first treatment always takes place at a HMO health centre (team of doctors under one roof).
At ÖKK, you save most with the HMO model – up to 19 percent. This is followed by the Telmed model with the app and the partner pharmacy (ÖKK CASAMED SELECT) and the general practitioner model (ÖKK CASAMED). With these models, you can make potential savings of up to 15.5 percent.
All insured persons with ÖKK BASIS can switch to a model with a restricted choice of doctor (CASAMED models) with effect from the start of any calendar month, irrespective of their deductible.
If you would like to switch from a CASAMED model to the BASIS model or another CASAMED model, it is possible to do so as of 1 January of each year. You must notify us of this in advance, by the end of November (last Friday of the month) at the latest.
Order a non-binding quote for the model you are interested in.
As a general rule, you can switch basic health insurance provider at the end of each year. If you wish to take out insurance with a new health insurer from 1 January, your notice of termination must reach your previous provider by the last working day in November at the latest. The key date in this regard is the date on which the insurer receives the notice of termination, not the date of the postmark. If you would like to switch your basic insurance to ÖKK, we will take care of the paperwork for you. If you have classic basic insurance with free choice of doctor and a deductible of CHF 300, you can also terminate your basic insurance as of 30 June, subject to a three-month notice period.
