Group Practice (HMO)
HMO: The Group Practice Model of Mandatory Basic Insurance
The mandatory basic insurance of Swiss health insurance companies includes not only the standard tariff but also alternative insurance models that foresee a limited choice of doctors. These models, in return, offer reduced premiums. One of these models is the group practice model (HMO).
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What is an HMO Practice?
HMO group practices are central points of medical care where doctors of various specialties work together under one roof. They offer comprehensive treatment and promote interdisciplinary cooperation. Your insurance company can provide information about available HMO practices in your region.
Key Features of HMO Practices
- Centralized medical care under one roof
- Doctors of various specialties working together
- Interdisciplinary cooperation
- Comprehensive treatment approach
- Direct collaboration with health insurance companies
- Fixed fee per patient model
The HMO concept, originally from the USA, established itself in Switzerland in the 90s. Group practices often work directly with health insurance companies. They receive a fixed fee per patient, which aims to reduce the overall costs of medical treatments.
How the Group Practice Model Works
If you opt for an HMO group practice, it will be your first point of contact for health issues. You can get a list of approved practices from your insurance company. This model aims to centralize and optimize medical care.
First Point of Contact
The HMO practice becomes your primary healthcare provider for all medical issues, coordinating your care and referrals as needed.
Emergency Exceptions
Although the HMO model foresees a limited choice of doctors, there are exceptions for emergencies or certain preventative examinations. This flexibility ensures that you can receive adequate medical assistance outside the group practice.
Benefits of the Group Practice Model
Premium Savings
Choosing an HMO group practice can lead to significant premium savings, often up to a quarter compared to the standard model. This makes the model particularly attractive for individuals seeking cost-efficient medical care.
Save up to 25% on premiums compared to standard models
Ideal for Young and Health-Conscious
The combination of premium savings and comprehensive medical coverage makes the HMO model especially attractive for young and health-conscious individuals. Our insurance comparison helps you find the Visana basic insurance that best matches your personal needs and requirements.
Perfect for cost-conscious individuals seeking quality care