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.

Are you under 18 years old and a new customer?

If you meet the following criteria as a new customer of the Helsana Group (Helsana or Progrès), you get a 50% premium discount on certain types of supplementary insurance in the first year:

  • You will be under the age of 18 when you take out the policy.
  • You take out basic insurance with us at the same time or have taken it out not more than a year previously.
  • Your previous health insurer for compulsory basic insurance is not a member of the Helsana Group.
  • At least one adult member of your household has basic insurance in a shared family policy.

The children’s starting discount applies to the following types of supplementary insurance: TOP, SANA, COMPLETA, PRIMEO, all HOSPITAL products, DENTAplus, WORLD and PREVEA Accident/Illness.

After the end of the first year of insurance, the full supplementary insurance premium becomes payable, so the premium statement you'll receive from us for the following year will be for a higher amount.

How long does your contract last?

It is worth taking out a multi-year contract. The rule is: the longer your contract, the bigger your discount.

Contract duration

Saving

1 year

No discount

3 years

3% discount

5 years

5% 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, PRIMEO, HOSPITAL ECO, HOSPITAL Semi-Private, HOSPITAL Private, HOSPITAL FLEX

If you have already taken out one of the following hospital insurance policies, you can extend the multi-year contract after it expires: HOSPITAL PLUS, HOSPITAL PLUS BONUS, HOSPITAL COMFORT and HOSPITAL COMFORT BONUS

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

Saving

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

Do you have PRIMEO insurance?

If you combine PRIMEO with supplementary hospital insurance for semi-private or private wards, you benefit from the maximum freedom of choice and comfort for outpatient and inpatient procedures. What's more, you receive a 20% or 30% discount on the monthly PRIMEO premium.

To which product combinations does the PRIMEO combination discount apply?

  • If you combine PRIMEO with HOSPITAL Semi-Private (or if you have already taken out HOSPITAL PLUS, HOSPITAL PLUS BONUS or HOSPITAL PLUS CLASSICA), you will receive a 20% discount on the PRIMEO monthly premium.
  • If you combine PRIMEO with HOSPITAL Private (or if you have already taken out HOSPITAL COMFORT, HOSPITAL COMFORT BONUS or HOSPITAL COMFORT CLASSICA), you will receive a 30% discount on the PRIMEO monthly premium.

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.

Insurance

Saving

BASIS

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

HOSPITAL ECO

Free treatment for one year if registered before the birth

PREVEA Accident

Free treatment for two months if registered before the birth

DENTAplus Bronze

Free treatment for one year if registered before the birth

Helsana Advocare PLUS

Free up to the age of 18

Do you have questions?

We're here to help.