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ÖKK Health Insurance: A Flexible Option in Switzerland
Navigating Swiss health insurance can be daunting. But don't worry—we've done the research for you.ÖKK is a noteworthy option to consider. Here's why ÖKK stands out.
Navigating Swiss Healthcare with ÖKK
Securing the right Health Insurance in Switzerland often requires comparing providers, understanding model differences, and matching your policy to your budget and lifestyle.ÖKK Health Insurance, with roots dating back over a century in Graubünden, remains a trusted name with about 180,000 private policyholders. Offering both basic and Supplementary Health Insurance, ÖKK tailors its plans to meet individual needs—whether you're a long-time resident or a newly arrived expat.
Let Insurance-guide simplify your journey with ÖKK's offerings and compare them to your current policy—all online.
Why Consider ÖKK? A Blend of Tradition and Modern Service
- Long History: Over 100 years, evolving from local health funds into a consolidated provider in 1996.
- Headquartered in Landquart: Deep regional ties with nationwide service.
- Financial Stability: Solvency ratio ~120%, indicating reliable reserves.
- Quick Refunds: Average reimbursement time of about 2 days.
Whether you plan to Change Health Insurance, Switch Swiss Health Insurance, or Get New Health Insurance upon arrival, ÖKK's range of products and modular supplementary solutions can help you navigate a complex system smoothly.
Basic Insurance: Tailored Models for Your Lifestyle
Like all Swiss insurers, ÖKK's basic insurance (Basis) covers mandatory benefits—outpatient care, general-ward hospitalization, and essential preventive services. To manage costs and retain flexibility, ÖKK offers several alternatives besides the standard free-choice-of-doctor approach:
Casamed Family Doctor
Choose a trusted GP as your first point of contact. Ideal for continuity and potential savings.
Casamed Select
Start with a counseling center or partner pharmacy for guidance and cost control.
Casamed 24 (Telmed)
Contact a telemedicine center first, saving time and possibly money.
Casamed HMO
Begin at a group practice for streamlined care and premium discounts.
Note: ÖKK also provides Euroline rates for cross-border commuters. Explore how these models match your healthcare habits if you're new to Switzerland or looking to switch.
Supplementary Health Insurance: Flexible Modules with ÖKK Life
While basic insurance covers the essentials, many people find Supplementary Health Insurancefills critical gaps. In 2018, ÖKK introduced a modular approach called "ÖKK Life," letting you mix and match packages to fit your needs:
Start Module
Extra benefits beyond basic coverage.
ÖKK Natur
Three rate variants to support alternative medicine, vision aids (like glasses/contacts), and even laser eye treatments.
ÖKK Prävention
Contributions toward vaccinations, preventive healthcare, nutrition counseling, and fitness.
ÖKK Eltern (Parents)
Targeted support during pregnancy and post-birth—valuable for families.
Hospital Insurance: More Comfort and Options
For those valuing privacy and choice, ÖKK's hospital insurance offers different tiers:
- General Ward throughout Switzerland or specific regions.
- Semi-Private or Private accommodations.
- Upgrades to clinics or wards suited to frequent travelers or specific care preferences.
Dental Insurance with ÖKK Smile
Dental care can be expensive, and basic insurance doesn't cover it.ÖKK Smile reimburses 50–75% of dental costs—up to CHF 5,000 per calendar year. Perfect if you want financial predictability for orthodontics or routine care.
FAQ – Frequently Asked Questions
Making the Right Decision
With historical roots, flexible modules, and multiplebasic insurance models, ÖKK remains a strong contender in Switzerland's competitive health insurance market. Whether you're:
- An expat needing New Health Insurance,
- A resident seeking supplementary coverage, or
- Someone looking to Change or Switch providers,
ÖKK adapts to your evolving needs.
Ready to learn more? Explore our guide or contact us for personalized advice. With ÖKK, you can navigate the Swiss healthcare system confidently, securing coverage that aligns with your unique situation.