Helsana Health Insurance
Helsana - Premium development
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
Customer satisfaction and experience with Helsana
good(5.4)- 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
Helsana - efficiency of administration
Collection of data 11/2020
if their administrative costs are less than 4.2% of premiums.
Helsana – company details
Reserves of the health insurer Helsana | 2019 |
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Number of policyholders
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Number of policyholdersAverage number of policyholders in the previous year (basic insurance only).
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751,737 |
Reserves in millions of CHF
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Reserves in millions of CHFIncluding reserves for optional daily benefits insurance.
|
1,152.0 |
Minimum reserves in millions of CHF
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Minimum reserves in millions of CHFSince 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.
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644.5 |
Solvency ratio
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Solvency ratioThe solvency ratio indicates the ratio between the existing reserves and the minimum amount.
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179.0%
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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
How to contact Helsana
Helsana Versicherungen AG
Postfach
8081 Zürich
Tel. 0844 808 182