Birth

Giving birth abroad

«Which costs are reimbursed if I plan to give birth abroad? I may also unexpectedly go into labour and give birth while travelling abroad.»

Geburt im Ausland

You'll only receive the costs from your basic insurance for emergency treatment abroad. If it's a normal birth, in other words full-term on or around the due date, it's not an emergency. Generally, expectant mothers should plan travelling abroad during pregnancy so that they can still return to Switzerland for the birth in time. Even if it's a full-term birth on or around the due date, a pregnant woman who travels abroad shortly before the due date or is abroad until the due date accepts the risk of giving birth abroad. On the other hand, there are also unforeseen premature births abroad that count as emergency births. Not every premature birth is automatically considered to be an emergency birth, however. To count as an emergency birth, several criteria must be fulfilled and these are checked in each individual case.

The question is, of course, who covers the costs for medical care during the birth. In countries such as the USA, Brazil or Australia, hospital costs can reach astronomical heights.

An emergency birth abroad

If you're temporarily abroad in a EU/EFTA country, the costs in the event of an emergency birth are charged in accordance with the statutory provisions (social tariff schedule) of the respective country. If possible, go to a public hospital and show your European Health Insurance Card (on the reverse side of your Helsana card). The bill is sent directly to your basic insurer. Your contribution to the costs (copayment/deductible) is also calculated in accordance with the provisions of the county in which you give birth and must usually be paid directly. If you're temporarily abroad outside the EU/EFTA, your basic insurance covers the costs up to a maximum of double the costs Helsana would have to pay in Switzerland. Your basic insurance doesn't cover all of the costs, depending on the country.

A planned birth abroad

Your basic insurance may cover no costs for a birth abroad unless it's an unforeseen emergency birth. Should you nevertheless decide in favour of a planned birth abroad, you'll receive a contribution from our supplementary nursing insurance.

What can Helsana do for you?

In the event of a planned birth abroad, Helsana covers the costs or part of them under supplementary insurance with the benefit "Planned treatment abroad."

In the event of an emergency birth abroad, the costs are partly insured by supplementary insurance as a supplement to your basic insurance with the benefit "Hospital stay abroad".

In both cases, it's important to observe the waiting period. Discuss the question of insurance with us before getting pregnant if you're planning a stay abroad that could coincide with the pregnancy. You can then be certain that you're adequately insured.

Emergency treatment abroad (outpatient)

Basic insurance
EU/EFTA Member States: respective social rate / Other countries: double amount of the insured costs in Switzerland

By virtue of the Swiss-EU Bilateral Agreement on the Free Movement of Persons, you have the same access to public healthcare (doctors, pharmacies, hospitals or ambulances) in EU/EFTA countries as the residents of the country you are in at that moment. In the event of a medical emergency you will therefore receive costs in accordance with the basic rate of the country in question.

In all other countries outside Switzerland you will receive the costs for outpatient emergency treatment up to double the amount that the same treatment would cost in Switzerland (rate of your canton of residence).


TOP
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive 100% of the costs that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
TOP
COMPLETA
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive 100% of the costs that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
COMPLETA
OMNIA
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive 100% of the costs that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
OMNIA

Emergency treatment abroad (inpatient)

Basic insurance
EU/EFTA Member States: respective social rate / Other countries: double amount of the insured costs in Switzerland

By virtue of the Swiss-EU Bilateral Agreement on the Free Movement of Persons, you have the same access to public healthcare (doctors, pharmacies, hospitals or ambulances) in EU/EFTA countries as the residents of the country you are in at that moment. In the event of a medical emergency you will therefore receive costs in accordance with the basic rate of the country in question.

In all other countries outside Switzerland you will receive the costs for inpatient emergency treatment up to double the amount that the same treatment would cost in Switzerland (rate of your canton of residence).


TOP
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For inpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive all of the costs in a general ward that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
TOP
COMPLETA
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For inpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive all of the costs in a general ward that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
COMPLETA
OMNIA
100% of excess costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For inpatient emergency treatment during a temporary stay abroad of up to 12 months, you will receive all of the costs in a general ward that exceed the cover provided by basic insurance.

Conditions:

  • A journey home or transportation to Switzerland is not reasonable.
  • You arrange for our emergency call centre to handle the organisation at every stage.

Product information:
OMNIA
HOSPITAL ECO
CHF 500 per day

In the event of emergency inpatient treatment abroad, you will receive up to CHF 500 per day for up to 60 days per calendar year for costs that exceed the cover provided by basic insurance.


Product information:
HOSPITAL ECO
HOSPITAL PLUS
CHF 1,000 per day

In the event of emergency inpatient treatment abroad, you will receive up to CHF 1,000 per day for up to 60 days per calendar year for costs that exceed the cover provided by basic insurance.


Product information:
HOSPITAL PLUS
HOSPITAL PLUS BONUS
CHF 1,000 per day

In the event of emergency inpatient treatment abroad, you will receive up to CHF 1,000 per day for up to 60 days per calendar year for costs that exceed the cover provided by basic insurance.


Product information:
HOSPITAL PLUS BONUS
HOSPITAL PLUS CLASSICA
40%

In the event of emergency inpatient treatment abroad, you will receive 40% of the costs that exceed the cover provided by basic insurance for up to 60 days per calendar year.


Product information:
HOSPITAL PLUS CLASSICA
HOSPITAL COMFORT
100%

In the event of emergency inpatient treatment abroad, you will receive all of the costs for up to 60 days per calendar year, provided return transportation to Switzerland is not reasonable.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
100%

In the event of emergency inpatient treatment abroad, you will receive all of the costs that exceed the cover provided by basic insurance for up to 60 days per calendar year, provided return transportation to Switzerland is not reasonable.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL COMFORT CLASSICA
100%

In the event of emergency inpatient treatment abroad, you will receive all of the costs that exceed the cover provided by basic insurance for up to 60 days per calendar year.


Product information:
HOSPITAL COMFORT CLASSICA
HOSPITAL FLEX
CHF 500 or CHF 1,000 per day

In the event of emergency inpatient treatment abroad, you will receive the following contribution to costs that exceed the cover provided by basic insurance, depending on the option you have chosen.

HOSPITAL FLEX 1

  • You receive up to CHF 500 per day for up to 60 days per calendar year.

HOSPITAL FLEX 2

  • You receive up to CHF 1,000 per day for up to 60 days per calendar year.

Product information:
HOSPITAL FLEX

Planned treatment abroad (outpatient)

COMPLETA
90% up to CHF 1,000

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

Please contact your competence center abroad on 043 340 13 55.

customer service team to obtain a confirmation of cost reimbursement.

You will receive 90% of costs for planned outpatient treatment abroad, up to CHF 1,000 per calendar year.

Alternative medicine and dental treatments are excluded.


Product information:
COMPLETA
PRIMEO
On receipt of confirmation of cost reimbursement

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

Please contact your customer service team to obtain a confirmation of cost reimbursement.

You will receive the costs for the planned outpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.

The same conditions and limits apply as in Switzerland (e.g. for comfort benefits, overnight stays, free choice of doctor and hospital, etc.).


Product information:
PRIMEO

Planned treatment abroad (inpatient)

OMNIA
CHF 500 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 500 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
OMNIA
HOSPITAL ECO
CHF 500 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 500 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
HOSPITAL ECO
HOSPITAL PLUS
CHF 1,000 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 1,000 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
HOSPITAL PLUS
HOSPITAL PLUS BONUS
CHF 1,000 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 1,000 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
HOSPITAL PLUS BONUS
HOSPITAL COMFORT
CHF 1,500 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 1,500 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
HOSPITAL COMFORT
HOSPITAL COMFORT BONUS
CHF 1,500 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive CHF 1,500 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.


Product information:
HOSPITAL COMFORT BONUS
HOSPITAL FLEX
CHF 500 or CHF 1,000 per day

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive the following contribution to costs for planned inpatient treatment abroad, depending on the option you have chosen:

HOSPITAL FLEX 1

  • You will receive up to CHF 500 a day for up to 60 days per calendar year if you have obtained a confirmation of cost reimbursement from us in advance.

HOSPITAL FLEX 2

  • You will receive up to CHF 1,000 a day for up to 60 days per calendar year if you have obtained a confirmation of cost reimbursement from us in advance.

Product information:
HOSPITAL FLEX