You can save premiums with ÖKK’s alternative insurance models. The difference between these and regular basic insurance is that you can choose your first point of contact for any health questions: a telemedical centre, a pharmacy, your GP or an HMO centre. A key aspect is the artificial intelligence of the Medgate app, in which the digital treatment plan can be accessed.
Insured persons with a standard deductible (CHF 300 for adults / CHF 0 for children) can change from the standard model (free choice of doctor) to a ÖKK CASAMED model as of the start of a calendar month. Insured persons with a higher deductible (optional deductible) can only change to a ÖKK CASAMED model as of the start of a new calendar year. In this case, ÖKK must be notified of the change by 30 November.
If you would like to change from the CASAMED model to the standard model or a different ÖKK CASAMED model, you can also only do this as of 1 January (notification by 30 November).
Overview of basic insurance models
With this model, you select whether to first contact Medgate by phone, enter your symptoms in the app or contact one of our partner pharmacies. This helps you save on premiums.
With this model, you select whether to first contact Medgate by phone or enter your symptoms in the Medgate app. This helps you save on premiums.
With this basic insurance model, your first point of contact for all health-related questions is always your general practitioner. You can save on premiums with this model.
For all health-related questions, your first point of contact is always your HMO centre, with your doctor and other specialists all under one roof, which helps you save on premiums.
Would you like to choose which doctor treats you and, if necessary, have direct access to a specialist? With the classic option, it’s up to you.