Care in old age

Care at home

«My mother suffers from some health complaints, but wants to stay in her own home for as long as possible. I understand that, but I'm wondering about the best way we can organise things.»

Pflege zu Hause

Independent living to a ripe old age: who wouldn't want to? For many people, this wish can be granted thanks to domestic care from Spitex, Pro Senectute and other similar organisations, but also with support from family and friends. New aids such as easy-to-use cookers and automatic alarm systems also help older people to go on living in familiar surroundings despite limiting factors.

Is your mum's apartment becoming too big for her? Is she finding it difficult to climb the stairs, and to do the gardening? She might want to move into an easy-maintenance apartment where she can live independently and only call on support and care services when necessary. But these days a large number of other accommodation models are available for older people. They include sharing a home with similarly aged, like-minded people, retirement apartments located close to an old people's home or nursing home as well as assisted living apartments that combine private accommodation with support and care services. Have a chat with your mum and think about what type of accommodation would best suit her needs and wishes.

When family members are the carers

Should your mum wish to stay within her own four walls, it's particularly important to have a good network of relationships. Talk to her about what she wants and can do for herself, and about what sort of help she would be glad to get from you. Have a chat with her about the options for outside assistance. For example, arrange a home help and ask neighbours whether they could help out with smaller chores. Enquire about "seniors for seniors" clubs in the area and find out what organisations like Spitex, Pro Senectute and similar institutions can offer.

Exercise, nutrition and contact

Your mum will most likely want to stay in her own home for as long as possible. A balanced diet is vital in terms of staying fit and healthy. But if she's no longer able to cook for herself on a daily basis, she can request a meals service. There are various institutions that provide such a service. Church groups provide lunches at which it will be easy for her to get to know people. Going to the restaurant in a retirement home or nursing home can be a nice change. Encourage your mum to get some exercise. She might want to try a rhythmics course, for example, or a yoga course for the elderly.

What costs are involved in domestic care?

The cost of care at home varies. It depends on the one hand on the care services that are required, but also on the person's individual wishes in terms of convenience and service. Remember that the person in need of care will have to pay all of the costs of services such as support, meal services and a home help themselves. Basic insurance will only cover contributions to certain medically prescribed care services. The statutorily prescribed benefit co-payment is a maximum of CHF 15.95.

Who pays the care costs?

Funding long-term care comes from three main sources: health insurance contributions, social-security contributions and – where permitted by the financial status of the person in need of care – individual contributions.

Subject to certain conditions, your parents can apply for helplessness allowances, additional AHV benefits and, if necessary, social assistance.

Outpatient care costs vary widely. This illustrative example shows the care costs for an older person who is cared for at home by Spitex as well as by their relatives.

care at home

What can Helsana do for you?

Spitex

Helsana will pay for certain medically prescribed care services from basic insurance. This includes finding out what care the insured person requires: basic care, help with personal hygiene, dressing of wounds, etc. Basic insurance will not pay for services such as a home help, support or meal services.

Home help

The CURA and VIVANTE long-term care insurance policies pay for part of the cost of a home help.

Medical and disability aids

Helsana's basic and relevant supplementary insurance policies will contribute towards medical and disability aids such as anti-slip soles, walkers and electric nursing beds. Find out more from Helsana customer service.

Optimal insurance cover

With VIVANTE you receive lifelong benefits from the first day of cover along with optional daily allowances you can use however you wish. Your finances are better proteceted thanks to the allowances you receive. Care from relatives or specialists? At home or in a nursing home? You alone decide how to use your care contribution from VIVANTE.

Request an insurance consultation

Spitex

Basic insurance
Cost contribution

With home care, the care specialist determines your expected need for care with the direct time requirement. The specialist completes a relevant statement of requirements. We pay for the duration of care required based on the corresponding amount in francs specified by law.

You receive a contribution to the costs for Spitex at home (home nursing care), if prescribed by a doctor.

This is subject to the condition that the chosen Spitex organisation or healthcare professional is qualified and recognised.


Household help

CURA
Agreed daily allowances

Where there is a proven need for care, you will receive up to the insured daily allowance to meet those costs not covered by basic health insurance for medically prescribed household help as soon as the waiting period expires.

Conditions:

  • You receive healthcare benefits from basic health insurance amounting to an average of more than 60 minutes per day.
  • You receive household help from a recognised service provider.
  • You can produce clear evidence of the uncovered costs for household help.

Product information:
CURA
OMNIA
CHF 30 per day

Following an acute inpatient hospital stay, you will receive CHF 30 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
OMNIA
VIVANTE
Agreed daily benefits

Where there is a proven need for care, you will receive the contractually agreed daily benefits, which you can use at your full discretion (without any obligation to show how you have spent them) – for example, for household help.

The amount of daily benefits you receive depends on the coverage option you have selected and the level of care you need.

Conditions:

  • A doctor's certificate confirming that you require care for more than six months.
  • You must need a level of care of at least 25%.

Product information:
VIVANTE
HOSPITAL ECO
CHF 30 per day

Following an acute inpatient hospital stay, you will receive CHF 30 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL ECO
HOSPITAL FLEX
CHF 50 per day

Following an acute inpatient hospital stay, you will receive CHF 50 per day for up to 30 days per calendar year for medically prescribed household help.

This cover is available provided you have also chosen the optional FLEX supplementary module.


Product information:
HOSPITAL FLEX
HOSPITAL PLUS
CHF 60 per day

Following an acute inpatient hospital stay, you will receive CHF 60 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL PLUS
HOSPITAL PLUS BONUS
CHF 60 per day

Following an acute inpatient hospital stay, you will receive CHF 60 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL PLUS BONUS
HOSPITAL PLUS CLASSICA
CHF 50 per day

Following an acute inpatient hospital stay, you will receive CHF 50 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL PLUS CLASSICA
HOSPITAL COMFORT
CHF 90 per day

Following an acute inpatient hospital stay, you will receive CHF 90 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
CHF 90 per day

Following an acute inpatient hospital stay, you will receive CHF 90 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL COMFORT CLASSICA
CHF 70 per day

Following an acute inpatient hospital stay, you will receive CHF 70 per day for up to 30 days per calendar year for medically prescribed household help.


Product information:
HOSPITAL COMFORT CLASSICA

Medical aids and equipment

Basic insurance
According to list

You receive the costs of medically prescribed aids and apparatus, such as crutches, blood-sugar measuring devices, inhalation/respiration therapy equipment and compression stockings, up to the maximum amount specified by law.

This is on condition that the medical aids are listed in the aids and equipment list and that you obtain them from an authorised provider.


TOP
90% up to CHF 1,000 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,000 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
TOP
COMPLETA
90% up to CHF 1,500 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,500 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
COMPLETA
PRIMEO
Excess amount

Applies if you also receive a contribution from basic insurance.

You do not receive any contributions for excesses of other social insurance institutions such as AHV or disability insurance.

If the benefits you receive for medical aids from your basic insurance are not enough to cover the entire cost, you receive up to CHF 5,000 per year towards the uncovered part of the cost.


Product information:
PRIMEO
OMNIA
90% up to CHF 1,000 / Fixed amount

You receive 90% of the costs of medically prescribed aids and equipment that improve restricted body functions, such as blood pressure monitors and orthopaedic shoe inserts, up to CHF 1,000 per year.

This is on condition that the aids and equipment are recognised by us.

For reusable aids, you receive costs up to the fixed amount. You can find these in the list of reusable aids and equipment.


Product information:
OMNIA