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HMO model – all the benefits of a medical network

The HMO model is a version of mandatory basic insurance in which a doctor from your medical network or group practice is always your first point of contact.

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The advantages for you

  • A doctor you know and trust from your medical network or group practice is your main point of contact.
  • You benefit from the wide-ranging experience of all the doctors in the network.
  • Medical advice is available 24/7 on +41 58 277 77 77.
  • You can consult eye doctors and gynaecologists directly.

Good to know

See a doctor you know and trust as a general rule
Always see your own doctor from your medical network or group practice first.
Go directly to certain specialists
You can visit your eye doctor or gynaecologist without consulting your family doctor first.
The HMO model is available in many regions of Switzerland.
Min. 14% premium discount
With the HMO model, you benefit from a premium discount of at least 14% on mandatory basic insurance.

How it works

HMO stands for Health Maintenance Organisation and is built around group medical practices.

Under the HMO model, you always consult your doctor from your medical network or group practice first. A group practice consists of several doctors working together in the same place. A medical network is made up of doctors in different locations. 

In an emergency, you can go straight to your doctor, their locum or an A&E department. You should then inform your doctor or the telemedicine centre about the emergency and any follow-up treatment that may be required.

This model lets you benefit from the experience of all the members of the network. You always contact your own doctor first and, in return, enjoy an attractive discount. Are you looking for the cheapest possible premium? Then the HMO model is perfect for you.

Your premium at a glance

Overview of basic insurance benefits


Outpatient treatment – classical medicine

Cost coverage according to the tariff for treatment by recognised doctors, chiropractors, dieticians, midwives, logopedists, physiotherapists, ergotherapists, nurses and nursing auxiliaries throughout Switzerland

Outpatient treatment – alternative medicine

Acupuncture, anthroposophic medicine, Chinese medicine, homeopathy and phytotherapy: costs are covered according to the tariffs prevailing in the canton of residence or at the place of work for treatment by recognised doctors with an FMH qualification in the discipline of complementary medicine


Cover for all costs in the canton of residence according to the HIA (public hospital/acute hospital), unlimited as to sum or duration in a general ward

Health promotion/prevention

In accordance with Article 12 of the Ordinance on Compulsory Health Insurance Benefits

Benefits abroad

Cover for costs incurred in emergencies for outpatient or inpatient treatment on a general ward up to a maximum of twice the tariff of the canton of residence in Switzerland. Special conditions apply in EU states (incl. Iceland, the Principality of Liechtenstein and Norway) as determined in the bilateral agreements


Medically prescribed medication on the list of generic drugs maintained by the Federal Office of Public Health (FOPH), the list of medicines with tariffs or the specialities list

Spa cures/convalescence cures

Spa cures: CHF 10 per day, 21 days per year plus medical costs
Convalescence cures: only medical costs


Eight check-ups, two ultrasound examinations for a normal pregnancy, home birth or hospital birth, max. CHF 150 for prenatal courses, max. three sessions for breastfeeding advice


Contributions to aids in accordance with the official aids and appliances list compiled by the Federal Office of Public Health (FOPH)

Preventive examinations/vaccinations

Contributions to preventive health measures e.g. vaccination of children, preventive gynaecological examinations, etc.

Transport and rescue costs

Cost of transport: 50% of costs, max. CHF 500 per calendar year
Cost of rescue: 50% of costs, max. CHF 5,000 per calendar year (Switzerland)

Glasses/contact lenses

Up to 18 years of age: CHF 180 per year with a medical prescription

Home nursing/care in a nursing home

Costs are covered for examinations, treatment and nursing care prescribed by a physician and carried out at home or in nursing homes by recognised Spitex organisations

Dental treatment

Costs are covered for serious jaw disease or if treatment becomes necessary because of a serious general illness. Initial treatment in case of accident (if accident cover included)


Costs for psychotherapy by a doctor


Personal advice

Get in touch for a personal consultation.

How to save on premiums

Premiums depend on where you live, your age and what deductible you choose.

Higher deductible
The higher the deductible, the lower the premium. What deductible would you like?
Change insurance
Switch model
Change your medical point of contact and pay less.
Choose option
Exclude accident cover
Do you work at least eight hours a week? Then you can save on premiums.
Change accident cover
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