Cross-border commuters

Do you work in Switzerland but live abroad? As a cross-border commuter, you can enjoy first-class, Swiss-quality insurance cover from Helsana at fair and competitive prices!

We've set up a separate, easy to understand info page with everything cross-border commuters need to know.

Our offer to you

You can enjoy first-class, Swiss-quality insurance cover with Switzerland's leading health insurer – at attractive prices.

You alone decide whether you want to be treated in Switzerland or your country of residence. If you choose Switzerland, then the corresponding legislation, benefits catalogue and cost contributions apply. If you opt to be treated in your country of residence, that country's legal guidelines shall apply (in Italy: in accordance with the legislation of the Servizio Sanitario Regionale ASL)

Important information for cross-border commuters from Italy:

Due to a change in the Italian Servizio Sanitario Nazionale (SSN) as of 2014, Swiss insurance for cross-border commuters has become more attractive since the global premium levied in Italy via the SSN is 7.5% of total income.

  • If you are resident in Italy, we recommend that you take out BASIS basic insurance as well as COMPLETA and HOSPITAL ECO supplementary insurance. You can find out more in our offer for Italian cross-border commuters.
  • If you are resident in another EU/EFTA country, you can enjoy the insurance cover provided by BASIS compulsory basic insurance with the right to choose whether you are treated in Switzerland or your home country.

Calculate premium

You can receive expert advice and find out more in person at one of our cross-border commuters agencies or over the phone on +41 43 340 91 44.


In certain situations, cross-border commuters who are already insured in Italy or Austria are once again able to join the obligatory health insurance system in Switzerland.

Details on the renewed right to choose an insurance >