Cross-border commuters

As a cross-border commuter from an EU or EFTA country, you receive first-rate insurance from us and will benefit from many advantages.

Benefits covered by the insurance

Basic health insurance BASIS
According to detailed descriptions

Compulsory health insurance in accordance with the bilateral agreement

Outpatient treatment in Switzerland

You receive the costs of outpatient treatment provided by Federally certified doctors, chiropractors and medical support staff such as physiotherapists, occupational therapists, nurses, midwives, speech therapists, etc. in accordance with the standard rate in the canton in which you work.

This is subject to the condition that treatment is listed in the benefits catalogue of the basic insurance.

Outpatient treatment in Switzerland

Costs for outpatient care are covered by Swiss Federal doctor graduates, chiropractors and medical assistants such as physiotherapists and occupational therapists, nurses, midwives, speech therapists, etc.

Outpatient and inpatient treatment in the country of residence

Insured benefits always comply with respective social tariffs and statutory arrangements of the country of residence.

Inpatient treatment

You receive the costs of your stay, care and treatment in a general ward (multi-bed room) in any hospital in Switzerland that is included on cantonal hospital lists ("listed hospitals").

Emergency treatment abroad

Since the Free Movement of Persons, you are entitled during your temporary stay in an EU/EFTA country, to medical treatment for an unforeseen illness, accident or maternity by using the European Health Insurance Card. As long as you have your compulsory health insurance with us, Helsana will provide you with this card entitling you to pay for unanticipated services and which are medically necessary during your foreseeable length of stay. Your entitlements to these benefits follow the regulations of the legal Health Insurance System in the Member State (the State of treatment) and are in line with the conditions and costs which apply to insured persons of the same country. You should make sure to carry the European Health Insurance Card with you at all times.


Product information:
BASIS
COMPLETA
According to detailed descriptions

Outpatient treatment

You receive 90% of the costs of planned outpatient treatment in Germany and other countries, up to CHF 1,000 per calendar year.

Foreign countries

You receive the costs of emergency treatment worldwide during stays abroad of up to 12 months.

Glasses/contact lenses

You receive 90% of the costs, up to CHF 300 per calendar year.

Prevention

You receive 90% of the costs, up to CHF 750 per calendar year, for preventive measures such as vaccinations or ultrasound examinations, provided that the measure is recognised by us.

Health promotion

You receive 75% of the costs of health promotion measures recognised by us relating to:

  • Fitness
  • Pregnancy
  • Back exercises/physical training

You receive up to CHF 200 per calendar year for each individual area, albeit no more than CHF 500 per calendar year for all areas combined.

Transportation

You receive up to CHF 100,000 per calendar year for transportation in Switzerland and up to CHF 20,000 per calendar year for transportation in Germany.

Medication not covered by statutory health insurance

You receive 75% of the costs of complementary medicines and 90% of the costs of medicines that are approved by the Swiss Agency for Therapeutic Products Swissmedic but not covered by basic insurance.

Medications on the list of pharmaceutical products with special application (LPPV) are excluded.

Complementary medicine

In Switzerland, you receive 75% of the costs of outpatient treatment and 75% of the costs, up to CHF 5,000 per calendar year, of inpatient treatment, provided that both the therapy method and the doctor, therapist or naturopath are recognised by us.

In Germany, you receive 75% of the costs, up to CHF 1,000 per calendar year, for outpatient treatment and 75% of the costs, up to CHF 500 per calendar year, for inpatient treatment.


Product information:
COMPLETA
HOSPITAL ECO
According to detailed descriptions

Hospital stays in Switzerland

You receive the costs of treatment and your stay in a general ward (multi-bed room) in any hospital in Switzerland.

Please note that some hospitals do not have a (recognised) general ward; in such cases, you may incur costs for which you alone will be responsible.

Hospital stays in Germany and other countries

You receive up to CHF 500 per day, for up to 60 days per calendar year, for emergency and planned inpatient treatment.

Household help and nursing care at home (Spitex)

Following an acute inpatient hospital stay, you receive CHF 30 per day for medically prescribed household help.

You receive CHF 30 per day for medically prescribed nursing care at home.

Benefits for both household help and nursing care at home are paid for an overall period of not more than 30 days per calendar year.

Spa and convalescent therapies

You receive CHF 30 per day for inpatient spa therapies in recognised spas in Switzerland and Europe.

You receive CHF 30 per day for convalescent therapies in recognised convalescent facilities in Switzerland.

Benefits for both spa and convalescent therapies are paid for an overall period of not more than 30 days per calendar year.

KidsCare

If your child becomes ill or has an accident, you receive up to 30 hours of KidsCare per calendar year.

A professionally trained carer is arranged within a short amount of time to care for your sick or injured child aged up to 15 at home in his/her familiar environment. You can then fulfil your professional obligations without any worries.

KidsCare is subject to the condition that you took out the insurance policy for your child (and not for the parents).

Nanny service

If you have to be admitted to hospital as an inpatient, you receive up to 30 hours of nanny services per calendar year.

While you are in hospital, an experienced carer will look after your healthy children aged up to 15 on weekdays. This will enable you to recover in hospital calmly and with peace of mind, while your children are lovingly looked after at home.

Nanny service is subject to the condition that you took out the insurance policy for the hospitalised parent (and not for the child).

Acute and transitional care in Switzerland

You receive CHF 90 per day, for up to 14 days per calendar year, for boarding costs (room and board) during inpatient acute and transitional care, provided that this takes place directly after a hospital stay and is prescribed by a doctor.


Product information:
HOSPITAL ECO
Advocare PLUS
According to detailed descriptions

You receive up to CHF 300,000 per case for lawyers' fees (free choice of lawyer upon agreement), court and trial fees, expert opinions and mediator, court-awarded costs and compensation, advances of bail.

Civil legal expenses insurance

The insurance covers are disputes with insurers (e.g. liability insurers), disputes with landlords (e.g. due to rental increases), disputes with the employer (e.g. due to termination of the employment contract), contractual disputes (e.g. in the case of purchase contracts, travel contracts, orders), disputes with neighbours, buildings that require authorisation, legal advice in cases relating to the purchase, sale, pledgeing and letting of property, advice in matters relating to family or inheritance law or the law of persons).

Transportation legal expenses insurance

The insurance covers the enforcement of claims for damages worldwide (property damage, e.g. to your car), contractual disputes in Europe and the Mediterranean countries (e.g. in connection with the purchase, lease, rent or repair of a vehicle), the provision of a defence in the event of criminal proceedings in Europe and the Mediterranean countries (e.g. unjustified fines), and representation in administrative proceedings in Europe and the Mediterranean countries (e.g. withdrawal or confiscation of an ID or a permit).

You also receive legal support and the following financial benefits for victims of violent crime in the case of death and disability, as well as for treatment costs and property loss and damage:

  • lump-sum benefit of CHF 150,000 in the event of death and of CHF 300,000 in the event of full disability (without progression). Persons over the age of 65 receive a lifelong annuity instead of a lump-sum payment.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Product information:
Helsana Advocare PLUS
Advocare EXTRA
According to detailed descriptions

You receive up to CHF 1m per legal case for lawyers' fees (free choice of lawyer), court and trial fees, expert opinions, court-awarded costs and compensation, advances of bail.

Civil legal expenses insurance

The insurance covers disputes with insurers (e.g. liability insurers), disputes with landlords or tenants (e.g. due to rental increases), disputes with the employer (e.g. due to termination of the employment contract), contractual disputes (e.g. in the case of purchase contracts, travel contracts, orders), disputes with neighbours, building and planning law, advice on the purchase, sale, pledging and letting of property, advice in matters relating to family or inheritance law or the law of persons.

You also receive up to CHF 10,000 of the costs for the required appearance in a foreign court and translation costs.

Transportation legal expenses insurance

The insurance covers the enforcement of claims for damages (property damage, e.g. to your car), contractual disputes (e.g. in connection with the purchase, lease, rent or repair of a vehicle), the provision of a defence in the event of criminal proceedings (e.g. unjustified fines), and representation in administrative proceedings (e.g. withdrawal or confiscation of an ID or a permit) and advice in all other legal disputes.

Internet legal expenses insurance

The insurance covers contractual disputes (e.g. in the case of purchase contracts concluded via the Internet), disputes as a victim of credit card misuse, phishing and hacking (misuse of your account data), disputes in connection with cyber mobbing, menace, extortion of blackmail, disputes resulting from the infringement of incopyright, name and trademark rights (e.g. unauthorised use of a picture).

Victims of violent crime also receive legal support and the following financial benefits in the case of death or disability as well as for treatment costs and property loss and damage:

  • Lump-sum benefit of CHF 150,000 in the event of death or CHF 300,000 in the event of full disability (without progression). If you're over the age of 65, you receive a lifelong pension instead of a lump-sum benefit.
  • Unlimited treatment costs for a period of five years supplementary to compulsory healthcare insurance, military insurance, Federal Disability Insurance or compulsory accident insurance.
  • Up to CHF 5,000 for damage to property that the insured was wearing or carrying.

Product information:
Helsana Advocare EXTRA