If you are insured with HMO, your first point of contact is always your HMO health centre or your HMO doctor. The benefits are the same as with the basic insurance traditional model. The premiums, in contrast, are noticeably more favourable.
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The advantages of the HMO model, a variant of basic health insurance
Everything you need to know about the HMO model
Find your HMO centre
In some regions, family doctors have joined together to form HMO networks of doctors. Check our HMO list to find out which HMO centres are available to you.
Frequently asked questions
What does HMO mean?The abbreviation “HMO” stands for “Health Management Organisation”. Alongside the myDoc family doctor model, HMO is another alternative insurance model available as part of basic insurance (OKP/AOS/AOMS). Under this model, you must first contact your chosen HMO practice if you are ill or have had an accident. You benefit from larger premium discounts because you have a limited choice of doctors.
Who is the HMO model suitable for?Like myDoc, the HMO model enables you to save on your premiums. It is particularly suitable if you live near an HMO practice and are willing to contact the HMO team first if you have to spend time in hospital or require medical treatment or care.
Which deductibles are available in the HMO model?As HMO is a basic insurance model, you can also choose from the following deductibles: CHF 300, 500, 1,000, 1,500, 2,000 and 2,500. This means that under the HMO model, you can also benefit from greater premium discounts by opting for higher deductibles.
Can I change HMO practice during the year?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.