HMO plus – general practitioner, telemedicine and partner pharmacies all in one
HMO plus combines tried-and-trusted general practitioner treatment with modern types of care delivery to provide you with coordinated medical care that is fast, flexible and a perfect fit.
When you take out insurance with Visana, you choose a general practitioner from our network. This individual coordinates your medical care. In addition, you also have access to a telemedical advice centre and selected partner pharmacies. This ensures you receive the right medical help for the situation and your current need.
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Free choice of general practitioner from the HMO plus network
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24/7 telemedical advice as an alternative to visiting your general practitioner
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Coordinated referrals to specialists if needed
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Direct access to partner pharmacies for initial consultations
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20% discount on generics
Discounts with HMO plus
HMO plus offers attractive discounts on premiums compared to standard basic insurance. The exact amount you pay in premiums depends on where you live and the deductible you choose.
Is the HMO plus model right for you?
HMO plus is ideal for you if you:
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value a personal relationship with your general practitioner;
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want to save money by paying reduced premiums;
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also appreciate flexible access to medical care;
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want the advantages of coordinated treatment;
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live in the Emmental or Upper Aargau region.
How the HMO plus model works
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You choose your general practitioner from the HMO plus network when you sign your contract.
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You have three options if you have health-related questions, symptoms or other concerns:
- contact your general practitioner;
- call the telemedical advice centre; or
- go to a partner pharmacy.
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If necessary, your general practitioner or the telemedical advice centre will refer you to a specialist or hospital.
Conditions and exceptions
When you sign up to the HMO plus model, you agree to abide by the following conditions:
When you sign up to the HMO plus model, you agree to abide by the following conditions:
- You must always make first contact with your general practitioner, the telemedical advice centre or a partner pharmacy; see below for exceptions.
- Only your general practitioner or the telemedical advice centre can refer you to a specialist; see below for exceptions.
- If available and medically justifiable, you must always purchase generics or biosimilars instead of more expensive original products when you require medication.
- You must agree to purchase medicines required for follow-up or long-term treatment from a prescribed pharmacy.
- You must obtain medical aids and Spitex home care services from providers affiliated to the health organisation.
You may obtain treatment without requiring a referral in the following cases:
- emergencies (worldwide)
- ophthalmologist appointments
- dental treatment
- gynaecological examinations
Your advantages with HMO plus
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Your general practitioner maintains an overview of all your treatment
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You choose your first point of contact flexibly, according to the situation: GP practice, telemedicine or partner pharmacy
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Attractive premium discounts compared to ordinary basic insurance
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20% discount on generics
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Health legal protection insurance included, e.g. for cases of medical malpractice
We will be happy to take the time to explain the advantages of the various models to you at no obligation.
Useful services for you
Smart insurance for all-round care. These services assist you:
You can easily upload invoices and reimbursement receipts via the myVisana app or myVisana customer portal.
Your general practitioner can refer you to a specialist or hospital and will report the referral to us. There is nothing else that you need to do.
With ‘Emergency-Finder’, you are optimally equipped in critical medical situations. This app helps you to assess your symptoms correctly and shows you the nearest emergency ward in real time, along with its current capacity.
The cost-free service is available in the City of Bern and the surrounding metropolitan area.
Insurance that complements this product
Frequently asked questions about HMO plus
HMO plus offers you more flexibility: alongside your general practitioner, you can also use the telemedical advice centre or go straight to a partner pharmacy. This means that medical coordination is always optimised.
If your GP is part of the HMO plus network, you can of course choose to continue with them. You will find the current list of doctors here.
No. You can also call the telemedical advice centre or visit a partner pharmacy. Only referrals to specialists are made exclusively by your GP or the telemedical advice centre.
In an emergency, you can go straight to an emergency doctor or a hospital. Afterwards, inform your general practitioner or the telemedical advice centre within 30 days.
HMO plus was launched in the Emmental/Oberaargau region in January 2026.
Downloads
Conditions of insurance
Information sheet
Lists
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