The HMO model by CONCORDIA is a high quality model and yet inexpensive.
Attractive premiums thanks to the HMO model

HMO model

HMO Health Insurance is an alternative insurance model for basic insurance. If you need treatment, you always contact your HMO health centre or your HMO doctor first. The experienced team of doctors allows you to benefit from comprehensive medical services. You receive the same insurance coverage as with the traditional basic insurance model, but you pay noticeably lower premiums.

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HMO Health Insurance – Your advantages

One point of contact

One point of contact

Personal HMO doctor as the first contact person

High quality

High quality

A diverse range of medical expertise – united unter one roof

Cost savings

Cost savings

No unnecessary treatments – lower premiums

The HMO model

HMO stands for "Health Maintenance Organisation". The HMO health insurance model is an alternative and more cost-effective option for mandatory health care insurance. With the HMO model, you choose your personal HMO doctor at an HMO health centre, who is always your first point of contact for any medical questions and issues. The HMO health practice offers you a wide range of medical expertise - all under one roof. Where it is necessary from a medical point of view, your HMO doctor or HMO health center will refer you to a specialist doctor. The coordination of treatment saves you both time and money.

Find your HMO health centre

In some regions, general practitioners have joined together to form HMO networks of doctors. Check our HMO list to see which HMO centres are available to you:

Locations of HMO health centres and doctor networks

Further advantages of the HMO model:

  • Your HMO team will assist you and help you organise any hospital stay or any medical care and nursing needed at your home.
  • You benefit from a premium discount of at least 13 %.
  • You benefit from a premium discount of 88 % from the third child enrolled for basic insurance.
  • You benefit from outpatient medical care at any time.
  • You have immediate access to any doctor or hospital in the event of an emergency.
  • You avoid unnecessary multiple examinations.

You can consult a specialist doctor directly in the following situations:

  • In the event of an emergency
  • for gynaecological checks
  • for obstetric care
  • for prescription glasses or contact lenses by the ophthalmologist

I am interested in CONCORDIA's HMO Health Insurance



HMO model: Insurance and Benefits


Insurance and Benefits with CONCORDIA

Further information on CONCORDIA's HMO Health Insurance