Save on basic insurance

There are various ways to save money on your basic insurance premiums. By comparing the various alternative insurance models, you can make some smart savings. The difference between these and regular basic insurance is that your first point of contact for any health questions is always your GP, a partner pharmacy of ÖKK, the telemedical service or the HMO centre. ÖKK has just the right solution for you.


The deductible is the amount that you are prepared to cover yourself. ÖKK rewards individual responsibility. You can save on your premiums every month if you increase your annual deductible. It is always possible to change at the start of a calendar year. You can find an overview of deductibles and an explanation of deductibles here.

Check how much you can save on premiums with our premium calculator.

Accident exclusion

If you work for at least eight hours a week at the same employer, you are already insured against the financial consequences of an accident. You can therefore exclude accident insurance from your basic insurance cover in accordance with Art. 8 of the Swiss Health Insurance Act (KVG).

Complete form

Are you self-employed and are insured against accidents with the voluntary accident insurance (UVG)? If so, contact your ÖKK agency to exclude your insurance cover.

More information on accident insurance (UVG) can be found on the website of the Federal Office of Public Health (FOPH).

If you are employed by one employer for fewer than eight hours a week, are self-employed without voluntary accident insurance, not in gainful employment or a housewife or house husband, child or pensioner? If so, the accident cover is included in the basic insurance - you can apply for this here.

The inclusion or exclusion of the accident cover is stated on your insurance certificate (policy).


You usually pay your premiums monthly. You can also pay your premiums every two months, quarterly, semi-annually or annually. If you chose to pay in advance either semi-annually or annually, ÖKK grants the following discounts:

  • Annual prepayment: 1% discount
  • Semi-annual prepayment: 0.5% discount

So why does ÖKK grant you a discount? If you pay your premiums in advance on an annual or semi-annual basis, this helps reduce our administrative costs. We pass on these savings directly to you.

Premium reduction

Check whether you are entitled to a premium reduction

In Switzerland, people on modest incomes are entitled to a reduction on their premiums (subsidy) from the canton so that they can pay their basic insurance premiums. Each canton is responsible for setting the amount they contribute towards these costs.

Requesting a premium reduction – How it works

  1. Order, complete and return the application form to the responsible unit (e.g. Social Insurance Institution or health authority). You can find out the office responsible for you on the official AHV/IV Website.

  2. The responsible office will notify you in writing of your entitlement to a reduction in your premiums.

  3. If you are entitled to such a reduction, the responsible office will transfer the premium reduction directly to ÖKK. 

  4. ÖKK will offset the premium reduction against your basic insurance premium. The amount will be deducted in the premium invoice. 

It may be the case that not all cantons will have decided upon your entitlement by the time the first premium invoice is dispatched. We recommend that you nevertheless pay the premium invoice in order to avoid any reminders being sent or debt collection proceedings being initiated. This means you should not wait until your entitlement has been verified and the premium reduction has been issued. If your application for a reduction in premiums is approved during the year, we will credit you the amount to which you are entitled.


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Suspension of insurance during military service

If you perform more than 60 consecutive days of military service, your basic insurance benefits are insured via the Swiss government's military insurance during this time. This means that you can suspend your basic insurance with us for this period. All we need for this is a copy of your marching orders. After you have completed your military service, your basic insurance will restart automatically. 


For more information on military insurance, please see our FAQ. You can obtain detailed information on the insurance benefits provided under military insurance from Suva, which provides military insurance on behalf of the government.

Alternative insurance models

You can make clever savings with the CASAMED insurance models. The difference between these and regular basic insurance is that your first point of contact is always your general practitioner, the telemedical service or the HMO centre.

Advice and contact

We would be pleased to advise you on our insurance products and services.

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