Low premiums, full protection

HMO Health Insurance

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 traditional mandatory health care insurance. The premiums, in contrast, are noticeably more favourable.

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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 under one roof

Attractive premiums

Attractive premiums

No unnecessary examinations – lower premiums

Personal HMO doctor as the first contact person

Your HMO team organises and assists you if a hospital stay is imminent, or if medical nursing and care must be organised for you at home.


Outpatient medical care
  • HMO doctor as first point of contact in case of illness or medical questions
  • outpatient medical care at any time

Immediate access to any doctor or hospital in case of emergency
  • no unnecessary repetitive examinations

A diverse range of medical expertise – united under one roof

HMO is the abbreviation for »Health Management Organization«. This model, where the family doctor or the health centre is the first point of contact in the event of illness or medical questions, also proves it’s worth in other countries. It keeps health costs down and, thereby, premiums low. HMO guarantees flawless, qualitative basic medical care with high standards.
Locations of HMO health centres and doctor networks
In some regions, family doctors have joined together to form HMO networks of doctors.

Reliable support

If required, the HMO practice or your HMO doctor will refer you to a specialist. Without a referral, you can go directly to the doctor in the following cases:

  • in case of emergency
  • for gynaecological check-ups
  • for obstetric care
  • to the ophthalmologist for the prescription of glasses and contact lenses

Low costs for individuals, couples and families

Low premiums
  • premium reductions of up to 16 %
  • save on premiums additionally by means of higher deductibles

For families
  • 88 % discount on basic insurance premiums beginning with the third child

In the following documents available for download, you will learn more about the insurances and benefits of CONCORDIA.