Cross-border commuter insurance
Do you live in an EU/EFTA country and receive a salary in Switzerland? Then you are considered to be a cross-border commuter. We offer you and your non-employed family members BASIS basic insurance for this purpose.
Insurance for cross-border commuters
Conclude cross-border commuter insurance now.
How the BASIS model works
With the standard model, you enjoy a free choice of doctor and direct access to specialists at all times.
Illness or accident 
Treatment by doctor or specialist
Treatments in your country of residence
We will send you the E106 form or the S1 certificate for international benefits assistance. You must forward these documents to a statutory insurer in the country where you live and you then will receive a local insurance card to cover the costs of treatment in your country of residence. The co-payment of medical costs is always governed by the rules of the statutory health insurance scheme in your country of residence. You are also subject to the law in your country of residence.
Helsana Insurance ID, to be provided to the competent insurance institution in the country of residence:
01562
Insured benefits
With the cross-border commuter insurance, we will reimburse you the following benefits after deduction of the statutory co-payment (deductible/excess/hospital cost contribution).
You receive the costs of medically prescribed medication on the specialities list. If several pharmaceuticals are listed with the same combination of active ingredients, the excess can amount to 20%.
Good to know: co-payment only applies if you purchase your medication in Switzerland.
Downloads
Free advice for cross-border commuters
Our sales offices in locations close to the border specifically cater to cross-border commuters' needs.
Frequently asked questions
By law, everyone who lives in Switzerland must have basic insurance. Pursuant to bilateral agreements, this also includes cross-border commuters. Cross-border commuters are people who live in an EU/EFTA country and work in Switzerland. They earn their salary exclusively in Switzerland. Basic insurance provides everyone with the necessary basic medical care in the case of illness and maternity.
You can also insure your family members provided neither parent is employed, registered unemployed or receiving a pension in the country of residence. If you are employed in Switzerland, your non-employed family members must also have compulsory insurance. This applies to minors, adults in education and non-employed spouses.
We will send you the E106 form or the S1 certificate for international benefits assistance (this form will be sent to you automatically after you take out the insurance). You must forward these documents to a statutory insurer in the country where you live and you then will receive a local insurance card to cover the costs of treatment in your country of residence, which you must present before treatment. Please note that you may only seek treatment from doctors and hospitals that accept this insurance card. The advantage for you is that you do not have to pay any costs in advance. You will only be charged a potential excess according to the foreign legislation. The co-payment of medical costs is always governed by the rules of the statutory health insurance scheme in your country of residence. We cannot refund treatments that you pay for yourself.
For outpatient treatment, you have the option of consulting a doctor of your choice or a hospital from our list. When claiming benefits under compulsory health insurance, you pay a fixed annual deductible of CHF 300, and then a 10% excess per invoice (up to CHF 700 per year). Please present your Helsana insurance card in each case.
For inpatient treatment in a hospital, you are insured up to a maximum of the tariff in the canton where you work (according to the cantonal hospital list). When claiming benefits under compulsory health insurance, you pay a hospital cost contribution of CHF 15 per day.
If you terminate your employment relationship in Switzerland and/or become unemployed, you are automatically (and without cancellation, following your last day of work) exempt from compulsory insurance in Switzerland. In this case, please contact us so that we can take account of your situation and needs.
If you retire and cease to work in Switzerland, please contact us so that we can take account of your situation and needs.
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