Cover abroad: insured benefits

• Emergency treatment (outpatient and inpatient): in the case of medically necessary treatment performed by public service providers in EU and EFTA countries, benefits are paid in accordance with the health insurance system in the country where you are staying. If you pay the invoice on site, you can subsequently submit it to Helsana for review. If you agree, Helsana can cover the costs pursuant to Swiss tariffs including the Swiss co-payment of medical costs. For inpatient treatment in private hospitals, the costs are not fully covered even in European countries.

Good to know: any excess must be paid in accordance with the law in the country where the treatment is provided. You are responsible for paying it. In Switzerland, however, there is no co-payment.

• Emergency treatment (outpatient and inpatient): for inpatient and outpatient emergency treatment in EU and EFTA countries and in the United Kingdom, 100% of costs that exceed the benefits covered by basic insurance are covered. All co-payment of medical costs abroad is covered where these costs exceed CHF 300. In other countries not mentioned above, 100% of the costs that exceed the benefits covered by basic insurance are covered, but you must pay the Swiss co-payment (annual deductible and excess) yourself.
• Missing person search: up to CHF 20,000 per calendar year for search and recovery costs.
• Repatriation: 100% of the costs of repatriation to your place of residence or to a hospital in Switzerland.

Requirement: contact our Emergency Call Centre (+41 58 340 16 11) immediately in the event of an emergency.

• Emergency treatment (outpatient and inpatient): for inpatient and outpatient emergency treatment in EU and EFTA countries and in the United Kingdom, 100% of costs that exceed the benefits covered by basic insurance are covered. All co-payment of medical costs abroad is covered where these costs exceed CHF 300. In other countries not mentioned above, 100% of the costs that exceed the benefits covered by basic insurance are covered, but you must pay the Swiss co-payment (annual deductible and excess) yourself.
• Planned treatment (outpatient): 90% of the costs, up to CHF 1,000 per calendar year (alternative medicine and dental treatments are excluded).
• Missing person search: up to CHF 20,000 per calendar year for search and recovery costs (alternative medicine and dental treatments are excluded).
• Repatriation: 100% of the costs of repatriation to your place of residence or to a hospital in Switzerland.

Requirement: contact our Emergency Call Centre (+41 58 340 16 11) immediately in the event of an emergency.

• Medically prescribed outpatient treatment: in addition to the benefits provided under COMPLETA, 90% of the costs, up to a maximum of CHF 1,000 per calendar year (this excludes complementary medicine and dental treatments, laser vision corrections, preventive medical care and health promotion).

* Can only be taken out in combination with COMPLETA.

• Outpatient and inpatient emergency treatments: 100% of the costs that exceed the benefits covered by basic insurance. This is only applicable if: it is not advisable and/or reasonable for the insured person to travel home.
• Transportation, rescue and repatriation: 100% of the costs for transportation to the nearest suitable hospital and to your place of residence.
• Missing person search: up to CHF 10,000 per calendar year for search and recovery costs.
• Return travel: 100% of the costs for your return travel.

Requirement: contact our Emergency Call Centre (+41 58 340 16 11) immediately in the event of an emergency.

• Planned treatment in a hospital abroad (outpatient): 100% of the costs if such costs have been approved in advance.

Please note: the same conditions and limits apply as in Switzerland (e.g. for comfort benefits, overnight stays, free choice of doctor and hospital, etc.).

• Inpatient emergency treatments: up to CHF 500 per day for up to 60 days per calendar year for costs that exceed the benefits covered by basic insurance (provided repatriation to Switzerland is not feasible).
• Planned treatment: up to CHF 500 per day for up to 60 days per calendar year if the costs have been approved in advance.

• Inpatient emergency treatments: up to a maximum of CHF 1,500 per day for up to 60 days per calendar year for costs that exceed the benefits covered by basic insurance (provided repatriation to Switzerland is not feasible).
• Planned treatment: up to a maximum of CHF 1,500 per day if the costs have been approved in advance.

• Inpatient emergency treatments: 100% of the costs until repatriation to Switzerland is feasible.
• Planned treatment: 100% of the costs if such costs have been approved in advance.

• Inpatient emergency treatments: up to a maximum of CHF 500 (HOSPITAL FLEX 1 variant) or a maximum of CHF 1,000 (HOSPITAL FLEX 2 variant) per day for up to 60 days per calendar year for costs that exceed the benefits covered by basic insurance (provided repatriation to Switzerland is not feasible).
• Planned treatment: up to a maximum of CHF 500 (HOSPITAL FLEX 1 variant) or a maximum of CHF 1,000 (HOSPITAL FLEX 2 variant) per day for up to 60 days per calendar year, if the costs have been approved in advance.