Health insurance knowledge base | 10.11.2025
What is the HMO model and what are the advantages and disadvantages?
In Switzerland, the HMO model is an alternative, cost-effective insurance model for basic health insurance. HMO stands for health maintenance organisation. With the HMO model, you choose a doctor from a doctors’ network to be your first point of contact. They may refer you to other specialists as and when necessary. An HMO model can also include group practices in which general practitioners, specialists and therapists collaborate to provide care.
How does the HMO model work in Switzerland?
With the HMO model, you commit to always consulting your network doctor as your first point of contact in the event of illness.
You will discuss your medical needs with this doctor and agree on any further treatment.
The coordinated process ensures efficiency and saves costs. With our HMO model KPTwin.plus, we pass these savings on to you in the form of generous premium discounts. You can also make use of our free 24/7 telemedical consultation service.
Advantages of the HMO model
10 to 20% discount on your health insurance premium
