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).

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.

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.

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

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.

Compare alternative tariffs of Swiss health insurers in basic insurance