Cross-border commuters

Do you work in Switzerland but live abroad? As a cross-border commuter, you can enjoy first-class, Swiss-quality insurance cover from Helsana at fair and competitive prices!

We've set up a separate, easy to understand info page with everything cross-border commuters need to know.

Our offer to you

You can enjoy first-class, Swiss-quality insurance cover with Switzerland's leading health insurer – at attractive prices.

Good to know: You reserve the right to return to the German statutory health insurance system (e.g. as an employee, pensioner, etc.).

You decide whether you wish to receive treatment in Switzerland or Germany. If you choose Switzerland, then the corresponding legislation, benefits catalogue and cost contributions apply. If you opt to be treated in Germany, the rules governing the German statutory health insurance system apply.

We recommend that you take out BASIS basic insurance as well as COMPLETA and HOSPITAL ECO supplementary insurance as part of an insurance package.

Calculate premium

You can find detailed descriptions of the products and generous benefits in our offer for German cross-border commuters, or you can receive expert advice in person at one of our cross-border commuters agencies or over the phone on +41 43 340 91 44.


In certain situations, cross-border commuters who are already insured in Germany are once again able to join the obligatory health insurance system in Switzerland.

Details on the renewed right to choose an insurance >