Helsana Health Insurance

Helsana - Premium development

Canton
Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

More about Helsana


Experiences and questions regarding Helsana in our forum

15/07/2014 from Konstantin

Problem with Helsana medical insurance. Advice needed.

I signed a preliminary contract (basic + complementary insurance) with Helsana last summer. The third-party company guy visited us and described the conditions. But when we got a policy the conditions appeared to be different. So we've sent a cancellation letter (15.08) for both insurances being sure More

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1 comments | read 940 time(s)


10/12/2009 from HUSSEINBASHIR

Health Insurance Tunisia

thank you for your answer, the information you provided me for my previous question, merely informs about cross boarder commuters and people willing to move to EU Countries. I am specifically asking if I move to Tunisia or any African Country, is it possible to retain my Swiss healthcare insurance? More

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2 comments | read 992 time(s)


08/12/2009 from HUSSEINBASHIR

Health Insurance Abroad

Can I keep my Swiss healthcare insurance scheme if I declare to the swiss authorities that I leave abroad ? More

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1
0

1 comments | read 814 time(s)


22/11/2005 from ibrady

10% Excess

Does the 10% Excess plus the franchise also apply to the Zuzatzversicherung ? More

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0
1

1 comments | read 493 time(s)


05/10/2005 from ice

Medication cost

Do I have to pay my medications at the pharmacy as and get refund later with helsana health insurance More

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1
1

2 comments | read 612 time(s)



Customer satisfaction with Helsana

good(5.2)
good(5.3)
Competence and helpfulness of employees
good(5.2)
Statements (clarity, prompt payment, goodwill etc.)
good(5.1)
Clarity and comprehensibility of customer information
In 2017, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.
  • Mark 6.0 – 5.5: excellent
  • Mark 5.4 – 5.0: good
  • Mark 4.9 – 4.5: satisfactory
  • Mark 4.4 – 4.0: adequate
  • Mark 3.9 – 1.0: inadequate
All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

Helsana - efficiency of administration

Administrative costs
4.5% of premiums

Collection of data 11/2016

When is a health insurance company efficient?
Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Helsana – company details

Reserves of the health insurer Helsana
2014
2015
Number of policyholders
More information
Number of policyholders
Average number of policyholders in the previous year (basic insurance only).
564,709 781,298
Reserves in millions of CHF
More information
Reserves in millions of CHF
Including reserves for optional daily benefits insurance.
991.4 1,020.9
Minimum reserves in millions of CHF
More information
Minimum reserves in millions of CHF
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
631.4 642.3
Solvency ratio
More information
Solvency ratio
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.
157.0%
159.0%
comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 26.09.2016

Corporate structure

Besides Helsana, the Helsana Group comprises Progrès.

Benefits covered under basic insurance

The benefits Helsana is obliged to cover under basic insurance are prescribed by law – as is the case with all health insurance companies. If policyholders switch to Helsana, they will therefore receive the same benefits as they did with their former health insurance company.

Switching to Helsana for basic insurance

The Health Insurance Act obliges the health insurers to accept all applicants for the mandatory basic insurance irrespective of age, gender or state of health. This means that anybody may switch to Helsana. However, attention should be given to the health insurers' notification periods.

Products of Helsana

Helsana offers its standard model of mandatory basic insurance throughout Switzerland. In addition, Helsana also offers alternative models such as the Telmed, HMO and family doctor models. However, some of these are not available everywhere in Switzerland. You can find out most easily if Helsana offers an alternative insurance model in your place of residence and how much you would be able to save by making a premium comparison.


How to contact Helsana

Helsana Versicherungen AG
Postfach
8081 Zürich
Tel. 0844 80 81 82
Fax 043 340 01 11

Medical advice (for policyholders): 0800 100 008
Helsana emergency number +41 43 340 16 11


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Health insurance


Helsana - 1 more forum articles

03/08/2004 from Jamestk

Info ??

Hello, My wife joining me in Geneva from India. I m here working on L permit already possesing Medical inssurance. kindly let me know the best deal i can make with you for insuring her health. thanks for help regards James More

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3 comments | read 564 time(s)