HMO

Health insurance model: In the event of illness, the insured always undertakes to first consult a specific doctor who practices in the HMO centre. This doctor is called a gatekeeper. Emergencies are exempt from this obligation. The HMO physician receives a monthly lump sum for the medical care of the insured persons registered with him. All benefits which the HMO insured take out internally with him or externally with specialist doctors or during hospital stays are paid from this amount.