The history of ÖKK goes back over 100 years. Around 1900, several statutory health insurance funds were founded in Graubünden. After the Second World War, the health insurance companies worked more closely together to form a joint health insurance company in 1996. ÖKK Winterthur in 2004 and the health insurance company Flachtaal in 2009 also joined the new foundation. The current head office is located in Landquart. The health insurance company has around 180,000 privately insured persons and generated premium income of around CHF 800 million in 2016.
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ÖKK basic insurance is called Basis and covers all mandatory statutory benefits. Featured: Health insurance companies offer two different basic insurance plans: ÖKK Kranken- und Unfallversicherungen AG and KVF Krankenversicherung AG. There is no difference in the benefits, but there are differences in the amount of the premium. The insurance company will choose the most favorable price for you. You can save money if you agree to a higher deductible or opt for an alternative insurance model. The basic model gives you freedom of choice, but the alternative model restricts this freedom of choice.
Casamed GP: Your first point of contact is your GP.
Casamed Select: Contact the Termed advice center or pharmacy first.
Casamed 24: In the telemedicine model, contact the telemedicine advice center first.
Casamed HMO: Contact the Group Clinic (HMO) first.
The health insurance companies also insure cross-border commuters who work in Switzerland but live in neighboring countries via ÖKK Euroline tariffs.
ÖKK redesigned its supplementary insurance in 2018 and is now offering a flexible module that can be combined under the name Supplementary Life Insurance. It starts with the Start supplementary insurance with many additional benefits. Those who value alternative medicine or wear glasses can choose from three tariff variants of ÖKK Natur supplementary insurance. Insured persons receive higher subsidies for glasses, contact lenses and laser eye treatments as well as complementary medical care. ÖKK Prevention contributes to vaccinations, preventive healthcare, nutritional advice and fitness. ÖKK Parents is a supplementary insurance for pregnancy and childbirth.
The new module replaces the familiar supplementary insurances ÖKK Optima and ÖKK Premium as well as the ÖKK Standard insurance package, which combines the benefits of ÖKK Optima with the general hospital insurance Kombi.
Family tariffs ÖKK Family is no longer offered to new customers. If you require similar benefits, you can combine the initial fee and the parent tariff model.
You can choose from six price models for hospital insurance. With all hospitals, you can choose from hospitals throughout Switzerland, Spital Global and SpitalPrivat Unfall free of charge abroad. Depending on the price, we decide whether you will be admitted to the general ward, the quasi-private ward or the private ward.
With ÖKK Smile dental insurance, you can insure your dental treatment. The dental insurance covers 50-75% of the treatment costs and up to CHF 5000 per calendar year.
You can choose from six price models for hospital insurance. All hospitals have free access to hospitals throughout Switzerland, Spital Global and SpitalPrivat Unfall abroad. Depending on the price, we decide whether you will be admitted to the general ward, the quasi-private ward or the private ward.