Outpatient treatment

SANA supplementary healthcare insurance

With SANA supplementary insurance, you decide on a case-by-case basis whether you would prefer to receive conventional or alternative medical treatment. SANA offers you valuable supplementary benefits in complementary (alternative) medicine, prevention, and health promotion. SANA has been scoring highly in the neutral insurance industry ratings carried out by VZ VermögensZentrum for many years.

  1. What benefits are covered?
  2. For whom is this insurance recommended?
  3. Good to know
  4. How you can save premiums
  5. Why do I need supplementary healthcare insurance?

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What benefits are covered?

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.
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

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

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

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

Note: CHF 150.-- of the costs of childbirth classes provided by midwives are covered by basic insurance.

Further information

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

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

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


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For whom is this insurance recommended?

  • People who wish to use complementary as well as conventional medicine.
  • People who place great value on their health and to whom prevention is important.

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Good to know

Who can take out this policy?

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

  • Your official place of residence is 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 complete a health declaration.
How long does the policy run?

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

  • 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 as of 31 December each year. There is a notice period of three months.
  • If the premium is adjusted, a shortened notice period of one month applies.
Is there a waiting period?

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

  • With this insurance, a waiting period of 365 days applies to maternity claims. That means you cannot claim these benefits before the end of the first insurance year.
  • You are, however, covered from the start of insurance for benefits paid as a result of illness or accident.

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How you can save premiums

Multi-year policies
Minimum 3% discount

The longer the term of the contract you select, the more discount you receive:

Term of the contract Saving
Five years, 3 months notice period (standard) 5% discount
Three years, 3 months notice period (standard) 3% discount
One year, 3 months notice period (standard) No discount

Please note that it is not possible to have contracts with different terms, so you have to take out all supplementary insurance policies over the same term.

Accident cover excluded
10 % discount

The accident cover in our supplementary insurance complements certain benefits that are not covered, or are only insufficiently covered, by your employer's compulsory accident insurance (or compulsory basic insurance if you are employed by an employer for fewer than eight hours a week).

That means you can exclude the accident cover from voluntary supplementary insurance if you have equivalent private accident insurance or are well covered by your employer's accident insurance – for example, for a private or semi-private ward instead of the compulsory general ward in the hospital. This reduces the premium for your supplementary insurance by 10%.

If you are not sure which benefits your accident insurance covers, please contact your employer to ask before excluding accident cover from your supplementary insurance.

Family discount
Minimum 5 % discount

Currently, you get the following family discounts on supplementary insurance from the Helsana Group:

  • 5% discount if there are two people in the same household
  • 10% discount if there are three or more people in the same household

Details on family discount


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Why do I need supplementary healthcare insurance?

Many medical benefits are not, or only partially covered by basic insurance, even though they are a real need for many people. That's why it's often a good idea to take out one or more supplementary insurances for outpatient treatment – they're also known as supplementary healthcare policies. 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 for outpatient treatment as you see fit and can fill in important gaps in cover.