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Terms and conditions of participation for “customers recruit customers”

  • Only natural persons who are insured with ÖKK (private individuals) are entitled to a referral bonus (corporate clients and legal entities are excluded from the promotion).
  • A referral bonus of CHF 50 is paid out if the person referred takes out basic insurance (ÖKK BASIS or KVF BASIS).
  • A referral bonus of CHF 150 is paid out if the referred person takes out at least one supplementary insurance policy (excl. ÖKK TOURIST SUBITO).
  • A referral bonus of CHF 200 is paid out if the person referred takes out basic insurance (ÖKK BASIS or KVF BASIS) and at least one supplementary insurance policy (excl. ÖKK TOURIST SUBITO).
  • The referral bonus is also paid out if the person referred already has their basic insurance with ÖKK and takes out a new supplementary insurance policy (CHF 150) or if the person referred already has supplementary insurance with ÖKK and takes out new basic insurance (CHF 50).
  • The referral bonus is not paid out until the new customer has received the definitive insurance confirmation.
  • The referral bonus is transferred to a post office or bank account in Switzerland.


A referral bonus is not paid in the following cases:

  • The person making the referral is not yet 18 years old.
  • The person making the referral is referring a family member who lives in the same household (e.g. partner, children, parents).
  • The new customer is registered in Switzerland as a temporary resident (“L” residence permit) or asylum seeker (“N” residence permit).
  • The new customer already has existing supplementary insurance policies with ÖKK and is taking out further policies.
  • The new customer’s supplementary insurance application was rejected.
  • The person referred is changing insurer for their basic insurance (from ÖKK to KVF or vice versa).

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