Calculate your health budget
Do you know how much you spend on your health each month? Calculate your personal health budget now and get individual tips on savings and setting money aside – for a better overview and financial security.
What is a health budget?
Your personal health budget encompasses all the financial resources that you invest in your health. That includes premiums for basic and supplementary insurance, but also other costs such as deductible, excess, medication, gym memberships, yoga classes and money set aside for planned treatments that are not covered by health insurance.
Significant expenses can also arise in the long term, to cover rising premiums, care services or renovations to make housing more age-friendly, for example.
Our health budget calculator gives you a clear overview of your healthcare costs in just a few minutes. This lets you plan and optimise your expenditure strategically with plenty of time to set money aside.
Your benefits at a glance
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Financial security
Enter the details of your insurance premiums, the state of your health, your level of risk tolerance and any scheduled treatment costs, and we’ll estimate how much money you should be factoring in for your health each month. This will give you a better idea of how much you need to put aside to make sure you’re well protected. You’ll also receive a recommendation for the best deductible to suit your personal circumstances. You can even add all your family members to the healtalculator h cand work out the budget for your entire household. -
Saving tips
Switzerland’s healthcare system is excellent, but it’s also expensive. But there are many ways you can reduce or optimise your own healthcare costs. We’ll show you where to get started. -
Understanding healthcare costs
The more you know about healthcare and associated costs in Switzerland, the better you can plan and optimise your costs and navigate the healthcare system.
Here’s how it works
The health budget calculator (only available in German) takes you through your healthcare expenditure step by step:
- Start by entering your basic and supplementary insurance premiums and your deductible.
- Then estimate your treatment costs and financial risk tolerance (the health budget calculator can help you here).
- On the results page, you’ll be presented with your individual budget, including saving tips and recommendations on setting money aside.
Our health budget calculator is a new service, so we’re still testing it and adding new features all the time. Give it a try and get some valuable insights into your healthcare costs. Your feedback (only available in German) will help us with ongoing development.
Frequently asked questions about the health budget calculator
The health budget calculator is a tool that helps you plan and optimise your healthcare expenditure, based on your personal circumstances and preferences. The budget calculator is a free service provided by Helsana.
Many people in Switzerland are concerned about healthcare costs. A closer look at your costs and potential savings provides an overview and a sense of security. Helsana’s health budget calculator helps you keep track of your healthcare costs, making financial planning that little bit easier. The health budget calculator is a new service. It will help us see how much interest there is in this topic. If the response is positive, we’ll expand the service.
For young adults, families and anyone who wants to better understand and manage their healthcare costs, regardless of the insurance they have or who provides it.
The health budget calculator is designed to help everyone find out more about their healthcare costs. Helsana policyholders have the advantage that their premium costs are shown in the budget calculator, so they can be entered directly. Insured persons from other health insurers have to enter these costs manually.
In future, the plan is to offer our insured persons the option of saving their budget in myHelsana, so that they always have it to hand.
The health budget calculator is a free service that Helsana is launching under its “saving for health issues” topic area. With its new “securing health for a lifetime” strategy, Helsana is offering new benefits with added value for its customers.
Your data is processed anonymously. No personal data is stored. Information is either stored locally in the user’s browser or only processed temporarily. Your data will not be disclosed to third parties. Please accept all cookies to ensure the best result and user experience.
The health budget calculator is a new service that’s being continuously optimised. If you do encounter any technical problems or errors, please feel free to let us know using the feedback form (only available in German).
If you have any questions about your premiums, deductible or insurance, book your appointment for a consultation here.
The calculator works with scenarios and probabilities. It shows ranges to make uncertainties transparent – for example, in the event of rising healthcare costs.
Yes. The calculator can help well-insured persons reflect on their expenditure and review their pension strategies.
The results are suggestions based on the information you provide. You can make changes at any time or seek further advice. Book your appointment for a consultation here.
Traditional calculators compare tariffs. The health budget calculator, on the other hand, analyses needs, lifestyle and precautionary measures, independent of specific products.
The focus is on budgeting, not selling products. The calculator is designed to help users identify their needs – decisions on particular products are entirely up to them.
The calculator works with average values and scenarios. There may be deviations – for example, in the case of chronic illnesses or special circumstances.
No personal data is stored. Information is either stored locally in the user’s browser or only processed temporarily. Your data will not be disclosed to third parties.
Do you have questions?
We're here to help.