SWICA basic insurance with the HMO plan: save through partner medical practices

The term HMO plan refers to basic insurance in which your first point of contact for health issues is a SWICA partner practice. The abbreviation HMO stands for healthcare maintenance organisation, an insurance concept that originated in the US. HMO plans have also been available in Switzerland since 1990; in the corresponding practices, you will find different specialists and therapists in one place.

To see which doctors and practices you can contact with the basic insurance HMO plan, check SWICA’s directory of doctors.

• In emergencies
• Children up to 18 years of age can be treated by paediatricians without a referral
• Appointments with ophthalmologist or gynaecologists
• Treatment received during a temporary stay abroad

If necessary, simply contact the doctors and medical professionals at the santé24 online practice on +41 44 404 86 86. This is free of charge for Favorit Santé customers and available around the clock.

First contact your health centre. Outside office hours, please contact the santé24 helpline on +41 44 404 86 86 or your local medical emergency service. Inform your health centre about any emergency treatment as soon as possible.

If you switch from the Standard basic insurance plan to the HMO plan, SWICA will give you a discount of between 8.5% and 20% on your premiums. The size of the discount depends on your place of residence, your age and your chosen excess. The example below illustrates the minimum and maximum possible discount on premiums with the HMO plan:

• Minimum discount on premiums: Adult aged 26 or over, lives in Schwyz, excess: 300 francs, no accident cover, standard premium of 507.80 francs, with 8.5% discount: premium of 459.60 francs per month.
• Maximum discount on premiums: Adult aged 26 or over, lives in Lausanne, excess: 300 francs, no accident cover, standard premium of 676.20 francs, with 20% discount: premium of 540.90 francs per month.

Use our premium calculator to find out exactly how much your discount will be.

What you need to know: Unfortunately, the HMO plan is not available in Glarus, Graubünden, Jura or Valais.

 

You can get attractive discounts on premiums with an alternative basic insurance plan such as SWICA Favorit Casa. You can also reduce your premiums further by increasing your excess. SWICA also offers family discounts for children and young people along with other ways to optimise your premiums.

In addition, you can benefit from lower co-payments if you’ve taken out any supplementary insurance policies with SWICA. SWICA is the only health insurer that applies co-payments under basic insurance to those of its supplementary insurance, making your maximum annual co-payment significantly lower than with other health insurers.

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