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Supplementary insurance

Family discount

If you insure several family members living in your household under the contract for which you are paying the premium (family policy), they get a family discount on supplementary insurance.

What family discounts are there?

Currently, you get the following family discounts on supplementary insurance from the Helsana Group:

  • 5% discount if there are two people in the same household
  • 10% discount if there are three or more people in the same household
  • For the Helsana Advocare PLUS and Helsana Advocare EXTRA legal expenses insurance policy, you get a family discount of 25% if two or more people in the same household are insured under the policy.
  • We regret that we are unable to grant a family discount for the PREVEA capital insurance policy.
Who gets a family discount?

Everyone who lives in the same household and is insured under the same contract (family policy) as the person paying the premium receives the family discount.

Why is there a family discount?

If other people in the same household as the person paying the premium are insured under the same contract, this significantly reduces the administrative effort required. The family discount enables us to pass on this cost saving directly to the people concerned.

Combining contracts

Would you like to combine the insurance contracts of several people living in the same household into one collective family contract or would you like to add additional members of the household to an existing family contract?

If so, please send the corresponding form to the relevant Client Services department:

- Contract combination (PDF, 123KB)

Please note the following when doing so:

  • The retroactive combining of contracts is not possible. Please thus provide a date in the future as the point in time at which you want the contracts to be combined.
  • State the name of a person covered under the family contract to act as our single contact person (this person will be appointed as the «family head»). Helsana addresses all correspondence to the «family head».
  • We require the signatures of all of the adults listed on the form
Separating contracts

A contact separation is where one or more people leave an existing family contract, e.g. if they leave a joint household. This may have an effect on supplementary insurance premiums.

To apply for a contract separation, please send the corresponding form to the relevant Client Services department:

- Contract separation (PDF, 114KB)

Please note the following when doing so:

  • The retroactive separation of contracts is not possible. Please thus provide a date in the future as the point in time at which you want the contracts to be separated.
  • In the event of a dispute, you must enclose a copy of the divorce decree with the contract separation form.
  • We require the signatures of all of the adults listed on the form.