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Optional supplementary insurance

Supplementary insurance for outpatient treatment

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Complementary medicine and more: SANA supplementary healthcare insurance

Whether you need homeopathy, acupuncture, osteopathy or another type of complementary medicine: with SANA supplementary insurance you decide for yourself on a case-by-case basis whether you would prefer to receive conventional or alternative medical treatment.

In addition to alternative medicine, you also receive contributions towards gym memberships, back training, nutrition courses and other health promotion offers. SANA also supports many preventative measures, such as vaccinations, cardiovascular check-ups and smoking cessation.

Ideal for anyone who uses complementary medicine and keeps physically fit, for example by working out in a gym.

Insurance benefits

With SANA supplementary insurance, you receive the following insurance benefits in addition to those provided under statutory basic insurance:

Complementary (alternative medicine) 75% of the costs (outpatient), 100% up to CHF 5000.- (inpatient)

For longer-term treatments, we will examine the medical necessity and request a report from your doctor or therapist.

Outpatient treatment

You receive 75% of the costs of complementary medicines and therapies, such as osteopathy, kinesiology, acupuncture massage and Bach flower therapy, provided there is an established medical necessity.

Inpatient treatment

You receive 100% of the costs of complementary medicines and therapies, provided there is an established medical necessity, up to CHF 5,000 per calendar year.

Conditions:

  • Your doctor, naturopath or complementary therapist is recognised by us.
  • The therapy method is recognised by us and mentioned on the list "Recognised therapeutic methods in complementary medicine".
  • The medicine is provided or prescribed by a doctor or by a naturopath recognised by us and are approved by the Swiss Agency for Therapeutic Products Swissmedic for the treatment of the existing illness. (Medications on the list of pharmaceutical products with a special application (LPPV) are excluded).
  • The inpatient treatment is prescribed by a doctor and is performed in a medical institution or convalescent facility recognised by us.

Further information

What does basic insurance cover?

Only five alternative treatment methods are covered. All other methods must be paid for by patients themselves.

In addition, basic insurance only covers treatment that is provided by a physician who is a member of the Swiss Medical Association (FMH). SANA also covers treatments provided by recognised naturopaths and complementary therapists.

Details about basic insurance >

Health promotion 75% up to CHF 200

Fitness offers

Choose a course and a provider that is recognised by us.

The total amount for all four areas is CHF 500 per calendar year.

You will receive 75% of costs up to CHF 200 per calendar year for health-promoting fitness offers, such as weight and endurance training (fitness centre membership), and fitness courses (aquafitness, gymnastics etc.).

Conditions:

  • The course, the provider and the fitness centre, respectively, are recognised by us
  • Fitness center in offices of physiotherapists, hospitals, doctors and chiropractors are recognized by us

Further information

What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Back and body-wellness courses

Choose a course and a provider that is recognised by us.

The total amount for all four areas is CHF 500 per calendar year.

You receive 75% of costs up to CHF 200 per calendar year for selected back and body wellness courses (Alexander technique, pelvic floor training, Feldenkrais).

Conditions:

  • The course and the provider is recognised by us
  • The course is run by physiotherapists

Further information

What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Courses offered by Helsana and its partners

Choose a course, a programme or a seminar that is recognised by us.

The total amount for all four areas is CHF 500.-- per calendar year.

You receive 75% of the costs of various health seminars, healthy eating and weight reduction courses (e.g. Weight Watchers),eight weeks MSBR courses and fall prevention programmes etc., up to CHF 200.-- per calendar year.

Conditions:

  • The course, the programme, the seminar is recognised by us
  • MBSR courses are carried out by recognised teachers

Further information

What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Birth preparation

Choose a course, that is approved by us.

The total amount for all four areas is CHF 500.-- per calendar year.

You receive 75% of the costs of various courses up to CHF 500.-- per calendar year.

Conditions:

  • The course is approved by us
  • The course is provided by an accredited midwife, a provider or a physiotherapist recognised by us or takes place in the hospital

Further information

What does basic insurance cover?

CHF 150.- of the costs of childbirth classes provided by midwives are covered.

Details about basic insurance >

Pregnancy exercise

The sum of CHF 500 is to be used in its entirety for health-related measures in connection with the pregnancy, such as birth preparation courses and antenatal and postnatal gymnastics.

You receive 75% of the costs of pregnancy exercise up to CHF 500 per calendar year.

Conditions:

  • The course is recognised by us.
  • The course is carried out by a recognised midwife, by a recognised course instructor or in a hospital.

Further information

What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Recovery gymnastics

Les 500 francs sont valables globalement pour les quatre domaines de la promotion de la santé:

  • Ecole du dos et du corps
  • Offres de fitness
  • Cours d’Helsana ou de partenaires de coopération
  • Grossesse, p. ex. cours de préparation à l'accouchement, gymnastique prénatale et postnatale

You receive 75% of the costs of post-natal recovery gymnastics up to CHF 500 per calendar year.

Conditions:

  • The programme is recognised by us.
  • The programme is run by a course leader recognised by us.

Further information

What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Prevention (preventive medical care) 75% up to CHF 500

Check-ups

You receive 75% of the costs, up to CHF 500 per calendar year, for preventive measures such as vaccinations, cardiovascular checks, ultrasound examinations, examinations for the early detection of cancer, stopping smoking, etc.

Conditions:

  • The procedure is recognised by us.
  • The procedure is performed or prescribed by a doctor.

Further information

What does basic insurance cover?

Only certain preventative measures are supported – such as examinations for the early detection of illnesses and vaccinations prescribed or carried out by a physician. All other preventative measures must be paid for by the patients themselves.

Details about basic insurance >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

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FAQs

Answers to frequently asked questions about SANA supplementary healthcare insurance:

Why do I need supplementary healthcare insurance?

Many treatments are covered only partially, if at all, by basic insurance, even though many really need them. This is why it is often a good idea to take out one or more supplementary insurance policies for outpatient treatment – also known as supplementary healthcare insurance. These not only cover the cost of conventional outpatient treatment, but also pay contributions towards the cost of fitness courses and gym memberships, cover abroad, medication, dental treatment and much more.

In short, by taking out supplementary insurance you can expand the benefits you receive under basic insurance based on your needs and can fill important gaps in coverage.

Which alternative treatment methods does Helsana support?

Helsana supports around 70 different alternative treatment methods:

Recognised treatment methods in complementary medicine (PDF, 82KB)

There is a broad range of alternative remedies and treatment methods on the market. But not all are reimbursed by health insurance companies.

When it comes to supplementary insurance, health insurers can choose which treatments they wish to cover. For this reason, insurers generally maintain a list of forms of therapy that they recognise and for which they will assume a portion of the costs.

Which complementary therapists are recognised by Helsana?

Helsana works together with a large network of more than 14,000 recognised naturopaths and complementary therapists:

Recognised naturopaths and complementary therapists >

Complementary medicine methods are provided by doctors, naturopaths and complementary therapists. However, as there are only relatively few officially recognised qualifications in experience-based medicine, anyone can in theory call themselves a therapist and perform treatments, even if they have little to no training.

Under SANA supplementary insurance, we therefore only reimburse treatments performed by therapists who meet our quality criteria and are thus recognised for the respective treatment method on the basis of selected, certified methods and therapists on the ErfahrungsMedizinisches Register (EMR).

Which alternative treatment method will help me with my specific condition?

The experts available via our complementary medicine advice hotline will be happy to help you choose a suitable treatment and find a recognised doctor, naturopath or therapist who will provide you with expert treatment.

Do I need a medical prescription for certain complementary medicine treatment methods?

No. However, if the situation is not clear, we may ask you for information in order to review the medical necessity of the treatment.

We will reimburse you for the cost of complementary medicine where medical necessity has been established. Preventative treatment is not considered medically necessary and will therefore not be reimbursed. The same applies to treatment provided for many so-called wellness disorders, such as stress, tension or fatigue.

Are the treatment costs for complementary medicine covered by the deductible of my basic insurance?

No, unless the treatment represents a mandatory benefit under basic insurance.

Which gyms does Helsana support?

To ensure that Helsana contributes towards the costs of your gym membership, please join one of our recognised gyms:

Recognised gyms >

However, Helsana supports more than just working out in a gym. It also contributes towards the costs of various courses that promote health:

Recognised health promotion courses (PDF, 22KB)

Recognised providers >

Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You are under the age of 65 when you take out the policy.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration.
How and when can I terminate the insurance?
  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.

  • You can terminate the policy on 31 December of each year, subject to three months' notice.

  • If the premium is adjusted, a shortened notice period of one month applies.

Details about termination >

You can also take out a multi-year policy for three or five years. That way, you benefit from a premium discount and other notice periods apply.

Details about long-term policies >

Is there a waiting period?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

  • For maternity benefits, there is a waiting period of 365 days. That means you cannot claim these benefits before the end of the first insurance year.
  • However, you are covered from the start of insurance for benefits paid as a result of illness or accident.
Is there a discount? How can I save on premiums?

If you conclude a three or five-year insurance policy, you receive a premium discount of 3% or 5% respectively.

Details about long-term policies >

If you have equivalent private accident insurance, you can exclude the accident cover and thus reduce your premium by 10%.

Details about accident cover exclusion >

For two or more family members insured under the same contract we grant a family discount of 5% on this and other supplementary insurance; for three or more insured family members the discount is 10%.

Details about the family discount >

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