Advantages
You save on premiums compared to classic basic insurance.*
You have a personal doctor in an HMO health centre.
Wide range of medical specialist knowledge all under one roof.
* The premium reduction depends on the premium region, age, deductible and accident cover.
Our benefits
Compulsory health care insurance provides benefits in the case of illness, accident and maternity. The benefits provided under basic insurance are stipulated in the Swiss Health Insurance Act. They are identical for all health insurers.
Good to know
An HMO, which is short for Health Maintenance Organisation, is a kind of health centre. The HMO model is available in many, but not all regions of Switzerland. Find a health practice in your area here. Please make sure that the HMO group practice you wish to join is still accepting new patients.
How it works
What to do in case of illness
- HMO stands for Health Maintenance Organisation. In any situation, you first contact your doctor in an HMO centre nearby.
- If necessary, you will be referred to a specialist or hospital.
- Exceptions: for gynaecological, paediatric or optometric treatment, you may consult a specialist directly without having to first contact the HMO centre.
- You must always have your ÖKK insurance card to hand.
- Submit your doctor’s bills and claim documentation to ÖKK.
What to do in case of emergency
- In case of emergency, you do not have to get in touch with your first point of contact. You can contact your nearest hospital or emergency doctor directly.
- Notify the HMO centre within twenty days after the emergency and discuss the next steps together.
- If these steps are taken, ÖKK will cover the costs of the emergency medical treatment.
