Care in old age

Staying in a nursing home

«I'm now in a nursing home and slowly getting accustomed to life in my new surroundings. Obviously I miss my old home and sometimes feel a bit lonely. What can I do about it? I'm also wondering what rights I have in the home ...»

Aufenthalt im Pflegeheim

As a mature individual, you know that in difficult situations in life it is vital to have the right attitude. Hold on to your memories of life in your own home, but look to the future too.

To stay in good physical and mental form, it's important for you to take part in the communal life of the home as far as possible. Get to know your fellow residents and be willing to overlook their faults. We all get slightly stubborn in old age, but hopefully also a little wiser. Go for a walk if you are physically mobile enough.

Stay active both mentally and physically

Stay active: take advantage of what's available in the home and take part in group activities, courses and trips. Board games, solving puzzles and reading are entertaining options for training the mind. Perhaps you like being alone every now and again, but try to make sure you don't cut yourself off too much. Maintain your independence as far as possible. Do your errands outside the home if your health allows you to. Go to a concert or the theatre every now and then, and take a family member of friend with you.

Right to respectful treatment

As a resident of a nursing home, you have the right to be taken seriously as an individual. The management of the home and the care staff are obliged to safeguard your independence and to take your wishes and needs seriously. You're also entitled to complain if you're not satisfied. Try to speak to the person responsible or their line manager and tell them why you are unhappy. Any problem can be solved if everyone involved is prepared to help. If a seemingly insurmountable conflict seems to be developing, you or your relatives can contact the Independent Complaints Office for Old Age (UBA) (Zurich/Schaffhausen, Central and Eastern Switzerland). It advises and supports older people who are being cheated, exploited or neglected.

Frequent questions also arise for relatives of people living in a nursing home. Speak to the home's managers, nursing staff or, in terms of medical matters, the doctor who is treating your relative, who will provide professional information. Stay in close contact with the home's management and enquire now and again as to their view on the state of health of the person living in the home.

What can Helsana do for you?

Depending on the level of care, basic insurance gives you between CHF 9 and 108 per day. Your CURA or VIVANTE long-term care insurance will cover part of the cost of accommodation (room, meals, laundry, etc.) based on an agreed all-in daily allowance.

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