Basic insurance

Basic insurance is obligatory for all Swiss residents. It provides basic medical care in the event of illness, accidents and maternity. As the benefits are stipulated by law, they are the same from every health insurer.

We offer basic insurance as a standard version as well as various types of special insurance with cheaper premiums. In the standard option, the deductible is CHF 300 for adults and CHF 0 for children. If you choose a higher deductible, your insurance premium is reduced. But you can also use our alternative insurance models (AIM) to save on premiums. The benefits are the same for all basic insurance models. An AIM, however, allows you to benefit from the best possible quality of treatment because you can contact a central port of call for all medical matters.

Your exclusive benefits with Helsana

  • Everything to hand at all times with the myHelsana app
  • Quick and easy reimbursement
  • Round-the-clock medical advice with Medi24
  • Collect points with Helsana+ and receive up to CHF 75 per year

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You have a free choice of doctor at all times.

BeneFit PLUS General Practitioner

The GP or HMO group practice is your first port of call.

BeneFit PLUS Telmed

The telemedicine centre advises on health problems.

BeneFit PLUS Flexmed

You choose your first point of contact: your general practitioner or the telemedicine centre.


Call the Medi24 medical advice hotline before any visit to the doctor.

Comparison of models for the different basic insurance options

Want to know which basic insurance suits you best? Find out.

Do you have questions?

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