Basic insurance with the partner practice model

With the HMO model you get an attractive discount on your premiums and the same benefits as under the STANDARD basic insurance. The only difference is the choice of contact point: under the HMO model, your first point of contact for medical matters is always a Medbase Health Centre or a SWICA partner practice.

• In emergencies
• Children up to the age of 18 can be treated by a paediatrician without referral
• Appointments with an eye doctor or a gynaecologist
• When getting treatment during a temporary stay abroad

If needed, the doctors and medical staff at santé24 will be glad to answer your questions 24 hours a day on +41 44 404 86 86.

If possible please always contact a SWICA partner practice or Medbase Health Centre first. In an emergency you can go directly to an emergency centre or hospital. Afterwards inform your Medbase Health Centre or SWICA partner practice as soon as possible about any emergency treatment. The doctors and medical staff at santé24 will be also glad to advise you on +41 44 404 86 86, around the clock.

When you switch from the STANDARD basic insurance plan to the HMO model, SWICA gives you a discount of between 10% and 22.5% on your premiums. The exact discount depends on where you live, your age and your chosen excess. Below, we have provided examples of how the minimum and maximum possible discounts are determined under the HMO plan:

• Minimum discount: Adult aged 26 or over, living in Schwyz, excess: CHF 300, no accident cover, standard premium: CHF 469.40, with 10% discount: monthly premium of CHF 422.50.
• Maximum discount: Adult aged 26 or over, living in Stein am Rhein, excess: CHF 300, no accident cover, standard premium: CHF 513.00, with 22.5% discount: monthly premium of CHF 397.60.

The HMO plan is not offered in the following cantons: Glarus, Graubünden, Jura and Valais.

You can see the possible premium discount for you directly in our premium calculator:

Calculate your premium now

You can benefit from attractive premium discounts by choosing an alternative basic insurance model. By increasing the excess you can cut your premiums even further. SWICA also offers family discounts for children and young people.

Discover all the ways to optimise your premium


You can also benefit from lower co-payments if you have also taken out any supplementary insurance with SWICA. SWICA is the only health insurance company that applies co-payments from SWICA basic insurance to SWICA supplementary insurance. This means your maximum annual co-payment is significantly lower than it would be with other health insurers.

More about the combination advantage