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Is your health insurance not reimbursing you as much as you expected? By subscribing to CMO Online Health Insurance Fund you will receive maximum reimbursements. CMO offers you 3 levels of subscriptions where, through comprehensive assistance, bill sorting management and even extra reimbursements, you will further save money and administrative burden.


0 %
family discount
0 %
discount for minors


  • Friend Package
  • +
  • Claims opening management

    Our portal will become your reference. Send us your bills, and we will take care of sorting and forwarding them to the appropriate department of your health insurance company

  • Control of the reimbursement process

    CMO will follow the company-managed process for you and intervene in case of errors.

  • From 3'050 Sfr extra reimbursement

    CMO reimburses you 50% for what is not reimbursed by your health insurance company. Maximum annual reimbursement from 3,050 Sfr. Learn more by clicking below

  • Personal consultant

    Your personal counselor will be with you at all times and follow up on your requests in order to ensure that you receive the maximum possible reimbursement


  • Customer Package
  • +
  • Repayment guaranteed by CMO

    In case you opened the case as CMO advised and despite that the reimbursement does not match what you expected, CMO will reimburse you the difference

  • Left post support

    Correctly declaring a case is often not enough to avoid errors. With FRIEND, the process is followed from start to finish

  • Reimbursement count control

    Have you ever come across errors in reimbursement calculations? We will check it for you

  • Direct intervention in case of errors inherent in the contract or claims

    Errors in the contract, change of deductible or address, incorrect reimbursements? We take immediate action to correct health insurance errors

  • Zero waste from companies

    No rejection by the company


  • Support from MyCMO portal

    24/7 Portal

  • Support correct opening of claims

    Incorrect opening of claims is one of the causes of non-reimbursement. Knowing whether the therapist or gym is recognized by your health insurance company are just a few examples.

  • Cheapest basic insurance

    Every year the base rates change. CMO will contact you to find the most economical solution every time

  • Refund requests always accepted

    No more waste from health insurance companies

  • Consulting on roofing

    Our experts know a lot about the market and your coverage.


Analysis and comparison of health care expenditures:

Through a questionnaire CMO will do a detailed analysis of your health care expenses we will see the performance of your current coverages compared to other companies chosen by us. By comparing their prices, performance and company policies, we will find the best solution for you and your family.


What our customers say

I have been relying on CMO as my health insurance assistance for a few years now, and I would like to share a super positive experience! The team is extremely knowledgeable, they support me with clarity and patience and respond quickly to my questions, ccupting all the paperwork for me. Highly recommended!!!

Ludovica V.

CMO has been able to advise me well on insurance proposals and their benefits. Their support service is always ready to provide me with accurate and timely answers.

Philip Mercaldo

I have been a client of "CMO" for over 2 years and I must say that I have been very satisfied with their services. Whenever I have needed support or had questions, the team has always been helpful and ready to provide me with accurate and timely answers. Moreover, I have recommended their services to many of my friends, who have been equally satisfied with the professionalism.

Anna Cola

Extreme helpfulness and professionalism from Ivan and all the staff. Personalized advice and precise analysis of the client's needs. As well as optimal management of communications with insurers and practices of cancellation, new memberships or claims management.

Alexander Mouth

Availability and expertise

Diego Curti

Without a shadow of a doubt, his great professionalism and knowledge of the field. Fair and honest person. Dulcis in Fundo great Friend, certainly recommend him with closed eyes , 100% reliable! Said terre à terre, he is not the usual "barlafüs" who would even sell his mother and sister to make money!

Ivano Piubellini

Besides being a very good friend, he is a very knowledgeable person in his field. Honest, helpful and serious. To be recommended!

Giulia Cattafesta

I recommend everyone to turn to him for insurance consulting !!! Professional , precise and honest . Thank you Ivan!

Sonia Galli

Ivan is a knowledgeable and helpful professional. I recommend him, it is definitely worth asking for a comparison quote.

Roberto Bianchi

Always present and available for any questions or concerns, with immediate answers and clarifications, explained in a simple manner.

Rosi MB

Ivan is very knowledgeable and professional reference person. Highly recommended, he never disappoints. Thank you Ivan for your excellent advice and work.

Fabrizia Stoppa

Serious, punctual and transparent!

Gonzalo Jeandet

A reliable, kind and nice person.

Anna Sellaro

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