ÖKK health insurance

The history of ÖKK goes back over 100 years. Around 1900, several statutory health insurance companies 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 Flachtaal health insurance company in 2009 also joined the new foundation. The current headquarters are located in Landquart. The health insurance company has around 180,000 private policyholders and generated premium income of around CHF 800 million in 2016.

Information

Administrative expenses

194 CHF per customer

 Contact

What is important to you?

• Favorable premiums
• Free choice of doctor
• Alternative Medicine
• Supplementary insurance
• Sports & Fitness
• Semi-private or private
• Discounts for families
• Other

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ÖKK basic insurance

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 chooses the most favorable price for you. You can save if you agree to a higher deductible or choose an alternative insurance model. The basic model gives you freedom of choice, but the alternative model limits this freedom of choice.

• Casamed family doctor: Your first point of contact is your family doctor.
• Casamed Select: Contact the Termed counseling center or pharmacy first.
• Casamed 24: In the telemedicine model, contact the telemedicine counseling 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 rates.

Voluntary supplementary insurance

ÖKK has redesigned its supplementary insurance in 2018 and offers a flexible module for combination under the name Supplementary Insurance Life. The first module is the Start supplementary insurance with many additional benefits. Those who value alternative medicine or wear glasses can choose from three rate variants of the supplementary insurance ÖKK Natur. Insured persons receive higher subsidies for glasses, contact lenses, and laser eye treatments as well as complementary medical care. ÖKK Prävention provides contributions for vaccinations, preventive health care, nutritional counseling, and fitness. ÖKK Eltern is a supplementary insurance for pregnancy and birth.
The new module replaces the well-known supplementary insurances ÖKK Optima and ÖKK Premium as well as the insurance package ÖKK Standard, which combines the benefits of ÖKK Optima with the hospital insurance Kombi general.
Family rates ÖKK Family is no longer offered to new customers. If you need similar benefits, you can combine the start-up fee and the parents' rate model.

Hospital Insurance

In the area of hospital insurance, you can choose from six price models. With all hospitals, you have access to hospitals throughout Switzerland, Spital Global and SpitalPrivat Unfall free of charge abroad. Depending on the price, we decide whether you will be accommodated in the general ward, the quasi-private ward or the private ward.

Dental insurance

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.

In comparison

In the area of hospital insurance, you can choose from six price models. All hospitals have free access to hospitals throughout Switzerland, Spital Global and SpitalPrivat Accident abroad. Depending on the price, we decide whether you will be accommodated in the general ward, the quasi-private ward or the private ward.