Friend referral: recommend the Helsana Group

Friend referrals: Conditions of participation from 18/08/2019

  1. 1 Introduction
  2. 2. Purpose and scope
  3. 3. Entitlement conditions
  4. 4. Exclusions: There is no entitlement to a reward in the following cases.
  5. 5. Reward
  6. 6. Social insurance / taxes
  7. 7. Prohibited actions
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1 Introduction

1.1. The friend referral, recommendation or member-get-member programme is a tool for generating addresses in order to reward existing customers* who recommend interested persons to the Helsana Group through active mouth-to-mouth advertising.

* For ease of reading, the male gender is used in this document. The female gender is of course also covered by the formulations chosen.

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2. Purpose and scope

2.1 These regulations govern the entitlement to a reward through a recommendation. The recommendation is made by an existing customer of the Helsana Group (hereinafter referred to as "Helsana") forwarding the address data of an interested party.

2.2 These regulations are valid from 16 August 2019 and replace all previous regulations. Helsana has the right to unilaterally change these regulations at any time.

2.3. Helsana reserves the right to replace the gift with other referral gifts at any time or to terminate the friend referral campaign at any time of its choosing. However, referrals received before such time will of course be taken into account according to the conditions stated here.

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3. Entitlement conditions

3.1. Existing Helsana customers (with an insurance contract relationship) who are resident in Switzerland benefit from a further recommendation reward of CHF 100 if the recommended person, the new customer, takes out a KVG basic insurance policy and at least one VVG supplementary insurance policy with Helsana.

3.2. The referred party must effectively be a new customer. The new customer must take out a KVG basic insurance policy and a VVG supplementary insurance policy (and must successfully pass the health examination). Persons who at the time of the referral already have compulsory basic insurance with the Helsana Group (Helsana and Progrès) are not considered new customers.

3.2.1 KVG basic insurance includes the following models:

Helsana Insurance Company Ltd: Compulsory health insurance (OKP), BASIS, BenefitPlus general practitioner insurance, BenefiPlus, Telmed, PREMED24

Progrès Insurance Company Ltd: Compulsory health insurance (OKP), BASIS, BenefitPlus general practitioner insurance, BenefitPlus Telmed, PREMED24

3.2.2 Helsana Supplementary Insurances Ltd: Voluntary (VVG) supplementary insurance TOP, SANA, COMPLETA,PRIMEO, DENTAplus-BRONCE, -SILBER, -GOLD, -COMBI, HOSPITAL ECO, HOSPITAL Semiprivato, HOSPITAL Privato, HOSPITAL FLEX, HOSPITAL CASA, SALARIA, PREVEA

3.3. The new customer's insurance quote and application form must clearly note the friend referral. For this purpose, Helsana makes a note of the referring customer on every insurance quote issued in response to a friend referral. If the new customer compiles the quote on the Helsana website themselves, they must note on it the full address, the date of birth and (if known) the Helsana insurance number of the referring customer.

3.4. Only one referrer may exist for each recommendation. In the case of several referrers, the reward goes to the one whose recommendation was first submitted to Helsana.

3.5. The referrer must be a Helsana customer and at least 18 years old.

3.6. Friend referrals reported after insurance has already been taken out cannot be considered for this campaign. Only natural persons, and not companies, are eligible to take part.

3.7. The referrer may not have a contractual relationship with Helsana (exception: insurance contract relationship). Only natural persons, and not companies, are eligible to take part.

3.8. Referrals from parents for their minor children or children living in the same household and insured under the same policy are not permitted.

3.9. Only natural persons, and not companies, are eligible to take part.

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4. Exclusions: There is no entitlement to a reward in the following cases.

4.1. Parents may not register their newborns.

4.2. Referrals from parents for their minor children or children living in the same household and insured under the same policy are not permitted.

4.3. New customers may not refer themselves.

4.4. Short-term residents with an L residence permit (e.g. from temporary employment agencies and restaurants), i.e. the customer stays in Switzerland for less than 12 months, are excluded.

4.5. Helsana employees are excluded in this context.

4.6. All insurance policies concluded by agents and brokers are excluded from this campaign.

4.7. Cross-border commuters are excluded, as EU-GDPR requirements apply to them.

4.8. Recommendations from the same person via the recommendation
programme and the Helsana Insurance Consultant lead generation campaign are not permitted.

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5. Reward

The maximum reward per new customer referred is limited to CHF 100.

5.1. Basic reward

Successfully recommended products Basic reward in CHF
KVG basic insurance 100
VVG supplementary insurance 100

5.2. Extra reward

The referrer receives 1,500 additional Plus points credited to their Helsana+ account. The proof for the crediting of these points is sent to the referrer along with the transfer confirmation. For the points to be awarded, the proof must be photographed and uploaded to the Helsana Plus app under the activity "Recommend Helsana".

5.3. A referrer can make a maximum of 23 recommendations per year.

5.4. A recommendation shall be deemed successful if it leads to the conclusion of a policy in accordance with the entitlement conditions and if the person referred is still insured with Helsana at the time of settlement.

5.5. After successful recommendation, the reward is transferred to a Swiss bank or postal account. The rewards are usually paid on a weekly basis.

5.6. The referrer is not entitled to any compensation or reimbursement of expenses apart from this reward. In particular, if a contact provided to Helsana cannot be included, there is no entitlement to a reward.

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6. Social insurance / taxes

6.1. Helsana does not owe any social insurance contributions. The referrer alone is responsible for settling accounts with the various social insurance schemes (in particular the Compensation Office and compulsory accident insurance).

6.2. The rewards referred to in section 5 shall include any payable Swiss value-added tax. Any tax obligations (including statements) in connection with these rewards shall be borne exclusively by the referrer.

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7. Prohibited actions

7.1. The referrer is not authorised to take any further legal or effective action on behalf of Helsana, with the exception of passing on address data.

7.2. In the event of any breach, Helsana accepts no liability whatsoever for the resulting damage.