Premium saving tips: Supplementary insurance

Find out here how you can save on supplementary insurance premiums.

Do you have several family members insured in one contract?

People living in the same household can combine insurance contracts. This includes spouses, registered partners, life partners, children and parents, among others.

What family discounts are available?

  • 5% discount if there are two people in the same household
  • 10% discount if there are three or more people in the same household
  • For Helsana Advocare PLUS and Helsana Advocare EXTRA legal expenses insurance, you get a family discount of 25% if two or more people in the same household are insured under the policy.
  • In the case of PREVEA capital insurance we cannot unfortunately grant a family discount.

How long does your contract last?

For new customers, it’s worth taking out a long-term policy.

Contract duration


1 year

No discount

3 years

3% discount

Good to know

Multi-year contracts always apply to all of the below supplementary insurance products. They cannot be selected per product.

You can take out the following supplementary insurance policies on a multi-year basis: TOP, SANA, COMPLETA, COMPLETA EXTRA, PRIMEO, HOSPITAL ECO, HOSPITAL Semi-Private, HOSPITAL Private, HOSPITAL FLEX.

Who pays your accident cover?

If you are employed by the same employer for at least eight hours a week, you are automatically insured against both occupational and non-occupational accidents through them. 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%.

Change accident cover

How high is your hospital deductible?

Similar to basic insurance, you can also take out HOSPITAL Semi-Private and HOSPITAL Private hospital insurance with a choice of deductibles. By doing this, you take on more responsibility and can reduce your premiums.

Choice of hospital deductibles


CHF 1000.–

15% discount

CHF 2000.–

20% discount

CHF 3000.–

25% discount

CHF 5000.–

30% discount

CHF 7000.–

35% discount

If you have already taken out one of the following hospital insurance policies, you can adjust your hospital deductible: HOSPITAL PLUS, HOSPITAL PLUS BONUS, or HOSPITAL PLUS CLASSICA, HOSPITAL COMFORT, HOSPITAL COMFORT BONUS, HOSPITAL COMFORT CLASSICA.

Do you have legal expenses insurance?

The following discounts are available on Helsana Advocare PLUS and Advocare EXTRA insurance premiums:

Children up to the age of 18

  • Helsana Advocare PLUS and Advocare EXTRA are completely free for children until they reach the age of 19.

Young people from the age of 19 to 25

  • 50% discount

Adults from the age of 26

  • 25% partner discount for two or more adults from the same household who are insured under the same contract as the person paying the premium
Advocare PLUS Advocare EXTRA

Do you want to insure your baby?

If you take out our baby package before your baby is born, you benefit from a variety of types of free cover for a period of months or years.




75% children’s discount (up to 18 years)

Helsana Advocare PLUS

Free up to the age of 18

Baby Package

Do you have questions?

We're here to help.

Contact us