Refer a friend and get CHF 100

Recommending us could save you money. Tell friends and acquaintances about Helsana and we’ll give you CHF 100 for every successful referral.

Your reward

Tell your friends about your experiences with Helsana. You’ll get CHF 100 for every person who takes out basic insurance and at least one supplementary insurance with us for the first time.

Here’s how it works

  1. Ask your friends
    Tell your friends about Helsana and ask them if you can pass on their contact details. Please only name interested individuals who would like to receive an offer.
  2. Complete the online form
    Send us your contact details and the contact details of the person you are referring. Please note: you both have to be an adult and have your place of residence in Switzerland.
  3. Recommended people receive an offer
    After sending off the form, the person will be contacted and will receive a non-binding offer if they’re interested.
  4. Reward after the contract is signed
    If your recommended person takes out basic and supplementary insurance with Helsana, we’ll transfer CHF 100 to you.

Your additional reward

Do you use Helsana+? You will receive 1,500 Plus points for your successful recommendation.

Participation requirements

1.1 The friend referral, recommendation or members-get-members programme is a tool for generating addresses in order to reward existing customers who recommend interested persons to the Helsana Group through active word of mouth advertising.

2.1 These regulations govern the entitlement to a reward if an existing customer of the Helsana Group (hereinafter referred to as “Helsana”) has shared an interested party’s address data.

2.2 These regulations are valid from 16 August 2019 and replace all previous regulations. Helsana has the right to unilaterally change these regulations at any time.

2.3 Helsana reserves the right to replace the gift with other referral gifts at any time or to terminate the friend referral campaign at any time of its choosing. However, referrals received before such time will of course be taken into account according to the conditions stated here.

3.1 Existing Helsana customers (with an insurance contract relationship) who have their place of residence in Switzerland benefit from a recommendation reward of CHF 100 if the recommended person or the new customer takes out a KVG basic insurance policy and at least one VVG supplementary insurance policy with Helsana.

3.2 The referred person must be a new customer. The new customer must take out a KVG basic insurance policy and a VVG supplementary insurance policy (and must successfully pass the medical examination) at the same time. Persons who at the time of the referral already have compulsory basic insurance with the Helsana Group (Helsana or Progrès) are not considered new customers.

3.2.1 KVG basic insurance includes the following models:

Helsana Insurance Company Ltd: compulsory health insurance (OKP), BASIS, BeneFit PLUS General Practitioner, BeneFit PLUS Telmed, PREMED-24

Progrès Insurance Company Ltd: compulsory health insurance (OKP), BASIS, BeneFit PLUS General Practitioner, BeneFit PLUS Telmed, PREMED-24


3.3 The new customer’s insurance quote and application form must clearly note the friend referral. For this purpose, Helsana makes a note of the referring customer on every insurance quote issued in response to a friend referral. If the new referred person compiles the quote on the Helsana website themselves, they must write the full address, date of birth and (if known) the Helsana insurance number of the referring customer on the quote by hand.

3.4 There can only be one referring person for each referral. In the case of multiple referring persons, the reward goes to the person whose recommendation was submitted to Helsana first.

3.5 The referring person is insured with Helsana and is at least 18 years old.

3.6 Friend referrals reported after insurance has already been taken out cannot be considered for this campaign.

3.7 The referrer may not have a contractual relationship with Helsana (exception: insurance contract relationship).

3.8 Referrals from parents for their minor children or children living in the same household and insured under the same policy are not permitted.

3.9 Only natural persons, and not companies, are eligible to take part.

4.1 Parents may not register their newborns.

4.2 Referrals from parents for their minor children or children living in the same household and insured under the same policy are not permitted.

4.3 A new customer cannot refer themselves.

4.4 Helsana employees are excluded from this campaign.

4.5 All insurance policies concluded by agents and brokers are excluded from this campaign.

4.6 Cross-border commuters are excluded as EU-GDPR requirements apply to them.

4.7 Recommendations for the same person via the recommendation programme and the Helsana Insurance Consultant lead generation campaign are not permitted.

The maximum reward per new customer referred is limited to CHF 100.

5.1 Basic reward

KVG basic insurance CHF 50

Supplementary insurance under the Federal Insurance Policies Act (VVG): CHF 50

5.2 Extra reward

The referring person also receives 1,500 Plus points, credited to their Helsana+ account. The proof needed for these points to be credited is sent to the referring person with the transfer confirmation. For the points to be awarded, proof must be photographed and uploaded to the Helsana+ app via “Recommend Helsana”.

5.3 A referrer can make a maximum of 23 recommendations per year.

5.4 A recommendation shall be deemed successful if it leads to the conclusion of a policy in accordance with the entitlement conditions and if the person referred is still insured with Helsana at the time of settlement.

5.5 After successful recommendation, the reward is transferred to a Swiss bank or postal account. The rewards are usually paid on a weekly basis.

5.6 Apart from this reward, the referrer is not entitled to any compensation or reimbursement of expenses. In particular, if a contact provided to Helsana cannot be accepted as a new customer, there is no entitlement to a reward.

6.1 Helsana does not owe any social insurance contributions. The referrer alone is responsible for settling accounts with the various social insurance schemes (in particular the Compensation Office and compulsory accident insurance).

6.2 The rewards referred to in section 5 shall include any payable Swiss value-added tax. Any tax obligations (including statements) in connection with these rewards shall be borne exclusively by the referrer.

7.1 The referrer is not authorised to take any further legal or effective action on behalf of Helsana, with the exception of passing on address data.

7.2 In the event of any breach, Helsana accepts no liability whatsoever for the resulting damage.

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