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Concordia HMO

HMO model
Primary care: HMO center

General

General information:

Health insurance model «HMO» of the Swiss insurance company Concordia.

Health insurance model:

HMO model: As an HMO policy holder, you are required to get medical consultation from a doctor at an eligible HMO center before receiving further treatment. Your HMO center may then refer you to specialists, therapists or hospitals. A primary consultation from an HMO center is not necessary in the event of medical emergencies, gynecological examinations and treatments by eye doctors.

Choice of doctor:

Your choice of general practitioners is limited to doctors at HMO health centers which partner with Concordia.

Pharmacy choice:

You get free choice of pharmacy

Number of policyholders:

A total of 672,886 people hold compulsory health insurance policies from Concordia.

Additional child-discount:

Concordia provides additional premium reductions from the third child onwards.

Administrative costs:

4.2% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 165 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 7.9/10 (Good)

Helpfulness 8.3/10 (Very good)

Billing: flexibility 7.2/10 (Satisfactory)

Reimbursement: time frame 8.0/10 (Very good)

Product information 7.8/10 (Good)

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