Cover abroad: insured benefits

With our insurance policies, you enjoy comprehensive insurance cover abroad – for planned treatment, an illness or an accident. In the event of an emergency, call our Emergency Call Centre as soon as possible so we can coordinate everything for you.

Basic insurance

  • Emergency treatment (outpatient and inpatient): in the case of medically necessary treatments in EU and EFTA countries, benefits are paid in accordance with the social 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. In all other countries abroad, a maximum of twice the amount of costs is covered which would be incurred in Switzerland for the same treatment. Please note that basic insurance only covers treatments by public service providers in the country of residence. Services provided by private doctors are not covered.

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.

More about basic insurance

TOP supplementary insurance

  • Emergency treatments (outpatient and inpatient): 100% of the costs that exceed the benefits covered by basic insurance.
  • 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 immediately in the event of an emergency.

More about TOP

COMPLETA supplementary insurance

  • Emergency treatments (outpatient and inpatient): 100% of the costs that exceed the benefits covered by basic insurance
  • 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 immediately in the event of an emergency.

More about COMPLETA

WORLD supplementary insurance

  • Outpatient and inpatient emergency treatments: 100% of the costs that exceed the benefits covered by basic insurance.
  • 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 immediately in the event of an emergency.

More about WORLD

PRIMEO supplementary insurance

  • Planned treatments in a hospital abroad (outpatient): 100% of the costs with a prior request for payment of costs.

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.).

More about PRIMEO

HOSPITAL ECO hospital insurance

  • 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 with a prior request for payment of costs.
More about HOSPITAL ECO

HOSPITAL Semi-Private hospital insurance

  • 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 and provided repatriation to Switzerland is not feasible.
  • Planned treatment: up to a maximum of CHF 1,500 per day with a prior request for payment of costs.
More about HOSPITAL Semi-Private

HOSPITAL Private hospital insurance

  • Inpatient emergency treatments: 100% of the costs until repatriation to Switzerland is feasible.
  • Planned treatment: 100% of the costs with a prior request for payment of costs.
More about HOSPITAL Private

HOSPITAL FLEX hospital insurance

  • 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, with a prior request for payment of costs.
More about HOSPITAL FLEX

Good to know

For planned treatments abroad, you must obtain a cost approval in advance.

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