With SANA supplementary insurance, you receive the following benefits in addition to those covered by basic insurance:
Supplementary outpatient insurances – also referred to as supplementary healthcare insurances – round out your basic insurance and clos key gaps in coverage. They assume the costs of various treatments such as psychotherapy and complementary medicine and make contributions towards fitness courses and gym memberships, medications, orthodontic treatments and surgeries, rescue costs abroad and much more.
Helsana supports around 70 different alternative treatment methods.
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.
Helsana works together with a large network of more than 14,000 recognised naturopaths and complementary therapists:
Complementary medicine methods are provided by doctors, naturopaths and complementary therapists. Under SANA supplementary insurance, we reimburse treatments performed by therapists who meet our quality criteria and are thus recognised by us for the respective treatment method. on the basis of selected, certified methods and therapists on the ErfahrungsMedizinisches Register (EMR).
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.
If your basic insurance is an alternative insurance model rather than a standard model (e.g. general practitioner, HMO or telemedicine model), then its restrictive provisions (e.g. medical prescription) apply..
No, unless the treatment represents a mandatory benefit under basic insurance.
To ensure that Helsana contributes towards the costs of your gym membership, please join one of our 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:
You must reside in Switzerland (official place of residence) and have an accepted health declaration in order to take out 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 insurance on 31 December of each year and switch to another health insurance company in Switzerland. Three months’ notice of termination must be given. Notice of termination must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of termination must reach us by no later than the last working day in November.
A waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
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.
You may also be interested in the following supplementary insurance:
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