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Helsana Health Insurance Guide for Expats 2025
Helsana is one of Switzerland's leading health and accident insurers, known for its extensive network, comprehensive coverage, and commitment to digital health. This guide provides English-speaking expats with everything needed to choose the right Helsana plan.
Why Choose Helsana? An Overview for Expats
Helsana serves over 2 million customers, offering a reliable and broad range of health insurance solutions. It stands out for its digital services, commitment to prevention, and strong customer support, making it a popular choice for expats navigating the Swiss healthcare system.
Leading Insurer
One of Switzerland's largest and most trusted health insurance providers with a comprehensive network of doctors and hospitals.
Digital Innovation
User-friendly digital tools like the Helsana+ app reward healthy living, while the Helsana portal simplifies claims and policy management.
Expat-Friendly Services
Dedicated support and clear information for international clients, helping you find the right coverage for your new life in Switzerland.
Helsana Basic Insurance Models
Helsana offers several basic insurance models to suit different needs and budgets. All models provide the legally required benefits, but alternative models can offer significant premium savings if you agree to certain conditions, such as contacting a telemedical center first.
| providerTable.model | providerTable.description | providerTable.savings | providerTable.bestFor |
|---|---|---|---|
| BASIC (Standard) | Free choice of doctor and specialist without prior consultation. Maximum flexibility. | 0% | Those who want complete freedom in choosing their healthcare providers. |
| BeneFit PLUS (Family Doctor) | Your chosen family doctor is your first point of contact for all health issues. | Up to 15% | Individuals and families who value a long-term relationship with their GP. |
| BeneFit PLUS (Telmed) | Contact the independent Medgate telemedical center for advice before any doctor visit. | Up to 20% | Digital-savvy individuals comfortable with receiving initial medical advice remotely. |
| PREMED-24 (HMO) | Visit a doctor in a designated HMO group practice for coordinated care. | Up to 12% | People who prefer an integrated care network and lower premiums. |
Helsana Supplementary Insurance Plans
Enhance your basic coverage with Helsana's supplementary plans. These cover gaps in basic insurance, offering benefits for dental care, alternative medicine, hospital comfort, and more.
TOP
Covers alternative medicine, glasses/contact lenses, and medical aids.
- 90% for alternative medicine from recognized therapists
- CHF 150 for glasses every 3 years
- Emergency transport and repatriation
SANA
A cost-effective addition for alternative medicine and health promotion.
- Contributions to gym memberships and fitness courses
- Covers preventive measures like vaccinations
- Supplements TOP with extra benefits
COMPLETA
The most comprehensive package, combining TOP and SANA with extra benefits.
- Extensive alternative medicine coverage
- High contributions for prevention and fitness
- Full international travel medical protection
HOSPITAL
Choose your level of comfort for hospital stays.
- Semi-private or private room options
- Free choice of doctor in hospital
- Flex models for spontaneous upgrades
International Coverage & Cross-Border Commuters
Helsana provides excellent solutions for expats, cross-border commuters, and frequent travelers. Their supplementary plans ensure you are covered for medical emergencies worldwide.
Worldwide Emergency Cover
Supplementary plans like COMPLETA offer unlimited coverage for emergency treatments abroad.
Cross-Border Solutions
Specific plans for commuters from Germany, France, Austria, and Italy working in Switzerland.
Expat Support
Expert advice to ensure your insurance meets Swiss legal requirements while providing global protection.
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Frequently Asked Questions about Helsana
Helsana Contact Information
Helsana Versicherungen AG
Postfach
8081 Zürich