Care in old age

Palliative care

«My husband is terminally ill. Things are getting worse, and the chances of finding a cure are low. We are in an extremely difficult situation, which is putting us under a lot of pressure, particularly in psychological terms.»

Palliative Care

Is someone in your immediate family terminally ill? Are they enduring severe pain and anxiety? Palliative care offers holistic treatment to those affected, helping them to live dignified lives with a minimum of pain and as independently as possible.

As well as providing care services and medical treatment, palliative care also covers the patient's psychological needs. Social, psychological and spiritual assistance help to minimise anxiety. They help severely ill people accept and come to terms with their situation.

Maintaining quality of life with palliative care

The focus of palliative care is not on combating the illness. Rather, it is to ensure the highest possible quality of life. Modern pain treatments relieve physical symptoms, while appropriate medication and regular discussions reduce depression and make the patient's situation more bearable.

The focus is on the patient's wishes

Experts from a wide variety of disciplines come together to create a network offering medical care, all types of therapy, day-to-day support, psychological help and counselling. They provide your sick family member with professional, empathetic care. They put the desires and needs of the person affected first and respect their wishes. The advanced health care directive also plays an important role here, and can be adapted by the patient on a case-by-case basis depending on the course of the illness.

Support and help for family members

As a family member, you too can count on palliative care for support. You are also under great strain, which you might not be able to cope with without help. The palliative care experts work closely with you and your family, assisting you and protecting you from excessive strain.

Palliative care is not tied to a particular location. You can care for your sick family member in your own home, in a retirement or nursing home, or in hospital. Many nursing homes and hospitals have palliative stations with specially trained care and nursing staff.

Ask for help and help yourself

Speak to the sick person's doctor and, if possible, involve him or her. Find out about the palliative care options in your area. You can also find useful information on the Internet platform www.palliative.ch. Don't withdraw into yourself. Talk about what is happening with other family members and people you are close to. Get in touch with a self-help group. By talking to others, you will come to realise that you are not alone with your worries.

What can Helsana do for you?

With basic insurance, Helsana contributes to the cost of examinations, treatment and care, whether provided on an outpatient basis, in home visits, on an inpatient basis, or in a nursing home.

Contributions to care and to medical treatment at recognised palliative care institutions will come out of your supplementary insurance.

Contact our fully trained, expert staff for a detailed discussion on the toll-free number 0844 80 81 82.

Nursing home

Basic insurance
Costs according to the applicable tariff

You receive the costs according to the applicable tariff for inpatient care services in a nursing home. The tariff is based on the level of care needed, as determined on your admission.

We cannot assume boarding costs (room and board at the nursing home) from basic insurance.


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 for accommodation and meals in a nursing home not covered by basic health insurance as soon as the agreed 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 inpatient care services from a service provider recognised under the Health Insurance Act (KVG).
  • You receive your inpatient treatment in a recognised facility (e.g. nursing home) in Switzerland.
  • You can produce clear evidence of the uncovered costs for accommodation and meals.

Product information:
CURA
VIVANTE
Agreed daily benefits

You qualify as being in need of care if, due to illness or accident, you require a substantial level of third-party assistance in performing the following activities of day-to-day life for at least six months:

  • Eating
  • Washing and dressing
  • Using the toilet
  • Standing up and walking
  • Walking up stairs

The level of care needed will be determined by an independent expert according to a standardised index. Four levels are possible: 25%, 50%, 75% or 100%. You will receive 25% of daily benefits from 25 points.

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 uncovered accommodation costs in a nursing home.

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

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