Child emergencies

«Our little boy is very boisterous. Sometimes, he runs away suddenly without looking left and right. Also, he's still too young to recognise danger. We're worried that sooner or later he'll have an accident. What should I do in such a situation?»


Children are exposed to a wide range of dangers: while near roads, when playing, on the playground, at the swimming baths, on the football field, when lighting fires in the woods, as well as many other activities. Often, they are not aware of the dangers around them and throw themselves care-free into their little adventures. There are plenty of sources of danger in the home as well: hot cookers and ovens, electric cables, open windows and balcony railings that call out to young children to be climbed on, and medicine cabinets and toolboxes whose mysterious contents are just waiting to be discovered.

Discovering dangers through play

It is of course important for children to experience new things and develop a sense of independence. And even the most attentive of parents can't keep a watch on their children all the time. What they can do, however, is make their children aware of certain dangers through play, and without frightening them. For example, you could tentatively teach your child that a needle pricks. Or let them hold glasses filled with warm and ice-cold water alternately, so they recognise the difference between hot and cold.

But no matter how many precautions you take, the possibility of your child having an accident can't be ruled out completely. The most common accidents include falls, bumps, traffic accidents, burns, scalds, dog bites and poisonings. The vast majority of child accidents occur in the home.

The well-equipped children's pharmacy
Equipment and aids Bandaging material Important medications Additional medications or for travel
  • Thermometer
  • Magnifying glass
  • Surgical spirit
  • Alcohol 70%
  • Pointed tweezers
  • Scissors
  • Bandage clips
  • Plastic gloves
  • Stretch gauze bandages, adhesive, narrow and wide
  • Elastic bandages, various widths, possibly coloured, sterile compresses, non-adhesive
  • Adhesive plasters, hypoallergenic
  • Quick dressings, various widths, possibly featuring comics
  • Utility dressings
  • Triangular bandage
  • Cotton wool, or preferably swabs, sterile-packed
  • Disinfectant, non-burning
  • Insect pen or gel
  • Cold-hot pack (keep in the freezer)
  • Fever suppositories, age-appropriate
  • Charcoal tablets or capsules
  • Defoaming agent
  • Cold ointments
  • Sports gel
  • Camomile extract
  • Nasal drops
  • Suppositories to combat nausea and vomiting
  • Anti-diarrhoea tablets
  • Cough syrup or drops (take care when administering to children under 1 year of age; read product insert)


First aid is something that needs to be learned

When taking immediate action in emergencies, the key to success is practice. The first aid courses held by the Samaritan associations provide a great opportunity for this. The offering also comprises courses on how to deal with emergencies involving small children. Go to the courses

What can Helsana do for you?

Medical advice

If you are in a child emergency and you are unsure about what to do, the specialists from the medical advice helpline will be happy to help. Their competent advice is just a phone call away.

Have you concluded one of the alternative insurance models – BeneFit PLUS Telemedicine or PREMED-24 – under basic insurance for your child? Please call before consulting your paediatrician.

With PRIMEO supplementary insurance you can take advantage of consultation services offered by medical hotlines (e.g. University Hospital Zurich) and online services up to a value of CHF 300 per year. Just send us a copy of your telephone bill for reimbursement. Our contractual partners (PDF, 80KB)

Emergency psychological support

A serious emergency can cause stress and tension within the family. Don't be afraid to ask for help. It's important now more than ever that you stay calm and preserve your energy. For emergency psychological support around the clock, call 043 340 16 11.

Reporting an accident

Report accidents as soon as possible so that we can make the necessary arrangements with regard to your insurance benefits.

Reporting an accident

Care for sick child by a carer (KidsCare)

If your child is ill for an extended period of time and you have to return to work, you may need the support of a carer. If you have the appropriate supplementary hospital insurance, you are entitled to the professional child-minding service KidsCare. A trained specialist will care for your sick child while you're absent due to work. You can reach KidsCare on +41 43 340 16 11.

Optimal insurance cover

Disability or death can hit a family hard. The emotional stress created by such a situation is often compounded by difficulties in meeting basic living needs. PREVEA Accident and PREVEA Illness capital insurance offer at least some material assistance during this time. The insured sum can be determined within a predefined framework and is immediately available in the event of an incident, independent of any other existing insurance policies.

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Medical hotlines & online services

Up to CHF 300.-

You receive up to CHF 300 per calendar year towards medical advice provided via a chargeable hotline or online service, such as the children's hotline at the children's hospital or the online medical consulting service offered by University Hospital Zurich.


  • You can show that you incurred these expenses by sending us the relevant phone bill or invoice from the online service.
  • The advice came from a service provider approved by us.

Product information:

Death or disability following an illness

Sum insured
  • In the event of disability, you receive the sum insured as soon as you have the confirmation of pension entitlement from the Federal Disability Insurance.
  • In the event of death, your beneficiaries or surviving relatives receive the sum insured.

Product information:

Death or disability following an accident

Sum insured
  • In the event of disability, you receive the sum insured based on your physical limitations, irrespective of how the injury affects your working life. In other words, your benefits depend on the medically recognised disability.
  • From the age of 70, you receive the lump sum in the form of a pension, with a maximum limit on the total sum of CHF 100,000 (higher sums insured are reduced accordingly upon reaching the age of 70).
  • In the event of death, your beneficiaries or surviving relatives receive the sum insured.
  • In addition, you receive benefits for property damage, medical aids, rescue, recovery, travel and transport costs, home nursing care and transport of human remains and burial costs.

Product information: