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
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:
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
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How to change HMO practice
If you are insured under the HMO model, you can change to another HMO practice with effect from the first of the following month. Please contact your nearest agency to do so. -
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- Free medical advice by telephone
- 24-hour emergency service
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Outpatient treatment – orthodox medicine
- Treatment by doctors and other recognised medical personnel (such as chiropractors, midwives)
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Inpatient treatment – hospital stay
- General ward in a hospital pursuant to the cantonal hospital list
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Alternative cures – complementary medicine
- Anthroposophic medicine, homoeopathy, phytotherapy, acupuncture and medicinal therapy of Traditional Chinese Medicine when practised by doctors with the appropriate additional training
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Maternity, family
- CHF 150 for childbirth preparation course with a midwife
- 3 breastfeeding consultations with a midwife or nurse
- Basic coverage as per statutory benefits for home or outpatient birth
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Medication
- Medication prescribed by a doctor and covered by mandatory health care insurance
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Protective and travel vaccinations
- Vaccinations in accordance with the statutory benefits
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Medical preventive care, check-ups
- Basic coverage in accordance with statutory benefits
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Dental
- For certain illnesses and in case of dental accident: outpatient treatment and inpatient treatment in a hospital as per the cantonal hospital list
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Eyeglass lenses and contact lenses
- Up to the age of 18: CHF 180.70/year
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Treatment abroad, in case of emergency
- In EU/EFTA countries, the insurance card is necessary.
- Within EU/EFTA countries: with European insurance health card: rates of the respective countries
- Outside of EU/EFTA countries: max. of double the rate in Switzerland (inpatient treatment: max. 90% of the costs that the hospital stay would have generated in Switzerland)
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Search and rescue costs
Ambulance transport (Switzerland)- Rescue costs: 50 %, max. CHF 5,000/year
- Transport costs: 50 %, max. CHF 500/year
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Cure at a spa/sanatarium
- Spa cures: CHF 10/day, max. 21 days/year, doctor and therapy costs
- Convalescence cures: doctor and therapy costs
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Home nursing and domestic help
- Home nursing (Spitex): basic coverage in accordance with statutory benefits
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Medical aids
- Basic coverage in accordance with statutory benefits
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Cost sharing
- Deductibles up to the age of 18: CHF 0, 100, 200, 300, 400, 500 or 600/year, 10 % retention fee, max. CHF 350/year
- Deductibles from the age of 18: CHF 300, 500, 1'000, 1'500, 2'000 or 2'500/year, 10 % retention fee, max. CHF 700/year
- Generics and biosimilars: 10 % retention fee; medicines for which a cheaper product with the same active ingredient exists: 40 % retention fee