Your baby

Baby emergencies

«I can't imagine anything worse than an emergency situation with my baby. I simply couldn't handle it chocking on something or anything bad happening. I'd never forgive myself if my baby had an accident.»

Notfälle Baby

Although you protect your baby with your life, it could choke on something, scald itself or hurt itself in a fall. Nobody is immune from an accident with a baby. Just a moment of inattention or an unfortunate series of events can lead to an emergency with the baby. There's no point blaming yourself for it. It's more important that you remain calm, assess the situation and do the right thing.

A minor case or an emergency?

After the initial shock, it very often turns out that an accident with the baby is only minor. In this case, you can treat it and comfort it yourself. It's worse if you're unsure, or if you're quite obviously confronted with a serious emergency with your baby.

Call the paediatrician, hospital or emergency services. If the baby has been poisoned, the best thing to do is to immediately contact the toxicological information centre.

What can Helsana do for you?

The costs for emergency transport to a hospital as well as outpatient and inpatient treatment of your baby are covered by your basic insurance.

Most hotlines are free. Helsana covers part of the costs for using chargeable hotlines if you've taken out PRIMEO supplementary insurance. This insurance also covers the costs of online advice from the University Hospital of Zurich.

Hospital stays

Basic insurance
General - canton of residence

If you have opted for another insurance model, you will receive benefits only subject to the following conditions:

  • BeneFit PLUS Family Doctor option: The stay in hospital is prescribed by your GP or group practice.
  • BeneFit PLUS Telemedicine option: The stay in hospital is prescribed by a doctor at the Medgate Centre for Telemedicine.
  • PREMED-24: Before the stay in hospital, you contact Medgate by telephone to receive non-binding health advice.

You receive the costs of a stay in a general ward (multi-bed room) and medical treatment in accordance with the standard rate in your canton of residence.


HOSPITAL ECO
General – anywhere in Switzerland

You receive all the costs of a stay, care and treatment in a general ward (multi-bed room).


Product information:
HOSPITAL ECO
HOSPITAL PLUS
Semi-private – anywhere in Switzerland

You receive all the costs of a stay, care and treatment in a semi-private ward (two-bed room).


Product information:
HOSPITAL PLUS
HOSPITAL COMFORT
Private – anywhere in Switzerland

You receive all the costs of a stay, care and treatment in a private ward (one-bed room).


Product information:
HOSPITAL COMFORT
HOSPITAL FLEX
Flexible choice of ward

In acute-care clinics, there is no time limit on the benefits you receive, while in psychiatric clinics you receive them for up to 180 days per calendar year.

You decide on a case-by-case basis whether you would like to be accommodated and treated in a general (multi-bed room), semi-private (two-bed room) or private (one-bed room) ward. Depending on which type of ward you choose, you pay for part of the costs yourself:

HOSPITAL FLEX 1

  • General: You receive the costs in full.
  • Semi-private: You pay 35% of the costs up to CHF 3,000 per calendar year.
  • Private: You pay 50% of the costs up to CHF 9,000 per calendar year.

HOSPITAL FLEX 2

  • General: You receive the costs in full.
  • Semi-private: You pay 20% of the costs up to CHF 2,000 per calendar year.
  • Private: You pay 35% of the costs up to CHF 4,000 per calendar year.

Depending on which version you opt for, you receive, for "rooming-in", i.e. the accommodation (including meals) in the hospital of an accompanying person closely connected to you (e.g. partner, parents or other close relatives) the following contributions towards costs:

FLEX 1

  • You receive CHF 50 per day for up to 15 days per calendar year.

FLEX 2

  • You receive CHF 100 per day for up to 15 days per calendar year.

Product information:
HOSPITAL FLEX

Transport at home

Basic insurance
50% up to CHF 500.–

You receive overall 50% of the costs, up to CHF 500 per calendar year, of scheduled transportation to a medical facility for medically necessary treatment at home and abroad.

This is on condition that you choose a recognised mode of transport, e.g. a vehicle operated by Spitex, a wheelchair-accessible taxi, a Red Cross vehicle or an ambulance.


TOP
CHF 100'000.-

In addition to the transportation benefits provided by the basic insurance, you receive CHF 100,000 per calendar year for transportation that is required on medical grounds within Switzerland.

The total amount is payable to cover all rescue, recovery, relocation and emergency transportation services.


Product information:
TOP
COMPLETA
CHF 100'000.–

In addition to the transportation benefits provided by the basic insurance, you receive CHF 100,000 per calendar year for transportation that is required on medical grounds within Switzerland.

The total amount is payable to cover all rescue, recovery, relocation and emergency transportation services.


Product information:
COMPLETA
PRIMEO
CHF 500.–

You receive overall CHF 500 per calendar year for transportation and travel costs for public transport services (the Swiss Federal Railways SBB, bus, tram) or private transport at home and abroad.

Conditions:

  • Transport is required to reach a medical facility for outpatient treatment that is covered by the basic insurance policy or by the PRIMEO policy and for travel costs to reach a facility for physiotherapy or radiotherapy.

Product information:
PRIMEO

Transport abroad

TOP
100%

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

  • You receive the costs for transportation abroad to the nearest suitable hospital.

  • You have to organise the necessary through the emergency call centre.


Product information:
TOP
COMPLETA
100%

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

You receive the costs overall for transportation to the nearest suitable hospital.

Conditions:

  • You have to organise the necessary through the emergency call centre.

Product information:
COMPLETA
PRIMEO
CHF 500.–

You receive overall CHF 500 per calendar year for transportation and travel costs for public transport services (the Swiss Federal Railways SBB, bus, tram) or private transport at home and abroad.

Conditions:

  • Transport is required to reach a medical facility for outpatient treatment that is covered by the basic insurance policy or by the PRIMEO policy and for travel costs to reach a facility for physiotherapy or radiotherapy.

Product information:
PRIMEO

Rescue at home

Basic insurance
50% up to CHF 5,000

You can claim 50% of the costs up to CHF 5,000 per calendar year for rescue operations in Switzerland.


TOP
CHF 100'000.–

CHF 100,000 is the total amount payable to cover all rescue, recovery, relocation and emergency transportation services.


Product information:
TOP
COMPLETA
CHF 100'000.–

CHF 100,000 is the total amount payable to cover all rescue, recovery, relocation and emergency transportation services.


Product information:
COMPLETA

Rescue abroad

TOP
100%

For rescue abroad it is necessary to organise the necessary through the emergency call centre. You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

For rescue you receive the overall costs for transportation to the nearest suitable hospital.


Product information:
TOP
COMPLETA
100%

For rescue abroad it is necessary to organise the necessary through the emergency call centre. You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

For rescue abroad you receive the costs for transportation abroad to the nearest suitable hospital.


Product information:
COMPLETA

Medical hotlines & online services

PRIMEO
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.

Conditions:

  • 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:
PRIMEO