Helsana Health Insurance

Health insurance provider

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

Forum entries Customer satisfaction Administrative efficiency Company details

Customer satisfaction with Helsana

good(5.1)

Evaluation criteria
Valuation basis
Comparis Rating

good(5.1)

Competence and helpfulness of employees

good(5.1)

Statements (clarity, prompt payment, goodwill etc.)

good(5)

Clarity and comprehensibility of customer information

In 2018, 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 2100 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

5.4% of premiums

Collection of data 11/2018

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	2018
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	722,642
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	1,119.6
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.	621.2
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	180.0%

comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 24.09.2018

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: