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HMO – contact your group practice first

This is basic insurance under which you consult a network doctor or group practice. Similar to the family doctor model, if you have any health problems you first go to the practice that you have reported to us. This forms part of a doctors' network or is a group practice, and coordinates all aspects of your medical advice and treatment. This model enables you to benefit from the knowledge and experience of all participating doctors, and a premium discount of up to 18%.

Our product for you: Health Maintenance Organisation (HMO) Insurance

Always contact your network doctor or group practice first

A condition for taking out Health Maintenance Organisation Insurance is that you live in an area served by a medical network or group practice. Choose your own doctors' network or group practice near you with the help of the CSS Docfinder.

Up to 18% premium discount when you receive primary care from a doctors' network or group practice

You should bear the following points in mind in relation to the premium discount:

  • A doctor from a doctors' network or group practice provides primary care and coordinates your treatment.
  • Emergency: in an emergency, you always contact your network doctor or group practice first. If you are unable reach anyone there, you should contact the CSS telemedicine centre.

Exception: You may consult your eye doctor or gynaecologist without referral.

(Please refer to the downloads for exhaustive information.)

Additional benefits provided by CSS

Benefit cover

Regular basic insurance covers the main costs of outpatient and inpatient care in the event of illness, accident and maternity.

Basic insurance cover

Premiums & discounts

Premiums depend on where you live, your age, and what deductible you choose.

Save on premiums by optimising insurance

Follow the tips under «Save on health insurance premiums» to choose the insurance product that is best for you. Our local client advisors will also be happy to advise you personally.