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.

Tips and tricks

Using healthcare services in Italy

  • You will receive two copies of form E-106 from Helsana. This form will help you register for mutual benefits assistance with the ASL (Azienda Sanitaria Locale) of your place of residence.
  • By registering, you will be given a local insurance card for processing treatment costs in your country of residence and you must always visit your GP first (the state general practitioner model with transfer system applies in Italy).
  • Assumption of non-cash care benefits (in Italy).
  • You pay no co-payment and no deductible in Switzerland, but you do have to pay the statutory cost contribution pursuant to the regulations of the Servizio Sanitario Regionale.

You are subject to Italian law in this case.

Using healthcare services in Austria

  • You will receive two copies of form E-106 from Helsana. This form will help you register for mutual benefits assistance with a regional Gebietskrankenkasse (statutory health insurance provider) of your choice in Austria (usually the one that has most recently provided you with assistance).
  • By registering, you will be given a local insurance card for processing treatment costs in your country of residence and you can visit a doctor, dentist or hospital (compulsory benefit under Austrian law).
  • Assumption of non-cash care benefits
  • You pay no co-payment and no deductible, but you do have to pay the practice fees and additional payments for medications. This is because cost contributions in Austria are always governed by the provisions of the statutory health insurance (GKK, regional Gebietskrankenkasse).

You are subject to Austrian law in this case.