Helsana: reviews and experiences

Corporate structure

The Helsana Group comprises Helsana and 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.

Supplemental health insurance from Helsana

Products offered by Helsana include supplemental insurance for outpatient and inpatient treatment, as well as separate dental and legal protection insurance.

Outpatient treatment takes place in a doctor's or dentist’s practice or in the outpatient department of a hospital. Helsana offers six different supplemental insurance plans for this type of treatment. These include:

• TOP

• SANA

• COMPLETA

• WORLD

• PRIMEO

• OMNIA

Inpatient treatment covers medical treatment performed in a hospital that necessitates at least one overnight stay there. Helsana offers nine different supplemental insurance plans for this type of treatment. These include:

• HOSPITAL ECO

• HOSPITAL PLUS

• HOSPITAL COMFORT

• HOSPITAL FLEX

• HOSPITAL EXTRA

• HOSPITAL BLUS BONUS

• HOSPITAL COMFORT BONUS

• HOSPITAL PLUS CLASSICA

• HOSPITAL COMFORT CLASSICA