Advantages
You save on premiums compared to classic basic insurance.*
You have a personal doctor in an HMO health centre.
Wide range of medical specialist knowledge all under one roof.
* The premium reduction depends on the premium region, age, deductible and accident cover.
More about ÖKK CASAMED HMO
HMO stands for Health Maintenance Organisation. The HMO model is available in many, but not all regions of Switzerland. Find an HMO centre in your area here. With the HMO model, your doctor from the doctors’ network or group practice is your first point of contact. If you require treatment from a specialist, you will be referred immediately. If you consult a doctor, therapist or hospital without a referral from your HMO centre or HMO doctor, you are responsible for the costs incurred yourself. Exceptions include emergencies as well as gynaecological, paediatric and optometric treatments.
Our benefits
Compulsory health care insurance provides benefits in the case of illness, accident and maternity. The benefits provided under basic insurance are stipulated in the Swiss Health Insurance Act. They are identical for all health insurers.
Benefits and tariffs in accordance with the Federal Office of Public Health (FOPH)
How it works
What to do in case of illness
- HMO stands for Health Maintenance Organisation. In any situation, you first contact your doctor in an HMO centre nearby.
- If necessary, you will be referred to a specialist or hospital.
- Exceptions: for gynaecological, paediatric or optometric treatment, you may consult a specialist directly without having to first contact the HMO centre.
- You must always have your ÖKK insurance card to hand.
- Submit your doctor’s bills and claim documentation to ÖKK.
What to do in case of emergency
- In case of emergency, you do not have to get in touch with your first point of contact. You can contact your nearest hospital or emergency doctor directly.
- Notify the HMO centre within twenty days after the emergency and discuss the next steps together.
- If these steps are taken, ÖKK will cover the costs of the emergency medical treatment.
