New for basic insurance

More choice with BeneFit PLUS Flexmed: we are expanding the GP network as of 1 January 2027. The BeneFit PLUS Flexmed model will also allow you to choose from the majority of contract doctors under BeneFit PLUS General Practitioner.

Starting 1  January, persons insured under an alternative basic insurance model (BeneFit PLUS Telmed, BeneFit PLUS Flexmed or Premed24) will be able to take advantage of the in-depth consultation options at one of our partner pharmacies. For simple acute complaints, our customers receive rapid treatment – if necessary, in a separate consultation room. Helsana will cover the costs of the in-depth consultation. On request, customers can receive information about treatment from the partner pharmacy, including documented medication and therapies, all via the Compassana app.

Further pharmacies are expected to be added to the network throughout 2027. The collaboration with selected pharmacy chains ensures uncomplicated access to an initial medical consultation – quickly, with no need for an appointment, and with no waiting.  

The telephone icon in the GP search tool at helsana.ch/general-practitioners indicates that the practice provides digital services via Compassana. Depending on the practice, the following digital services are available:

• Secure communication
• Online appointment booking
• Repeat prescriptions
• Data exchange between the patient and the GP practice

At the start of the calendar year following the year in which the insured person turned 18, the insured person is switched to the young adult premium level with a standard deductible of CHF 300. The previously applicable children’s discount will then cease to apply. However, we support all young adults until the end of the calendar year in which they turn 25 by charging them a youth premium. This is at least 20% below the full adult premium, or 10% lower for residents of other countries (cross-border commuters, employees posted abroad). For those looking for a lower premium, we recommend increasing the annual deductible or switching to an alternative insurance model

Under the Federal Health Insurance Act (KVG), we are not permitted to offer young adults a discounted youth premium after the end of the calendar year in which they turned 25. These customers will therefore be charged the adult premium. For those looking for a lower premium, we recommend increasing the annual deductible or switching to an alternative insurance model. 

* Two age groups are affected by the AHV 21 reform; both the listed age groups will reach the reference age in 2026

In principle, all persons insured under basic insurance are automatically included in compulsory accident coverage on reaching OASI retirement age. Insured persons who continue to work and are subject to compulsory non-occupational accident insurance may have their accident coverage excluded again subject to written notification and proof of the alternative insurance.

We have notified insured persons in writing who have excluded accident cover from their compulsory health insurance (OKP) and who are turning 75. 

If there is no proof of continuing employment or other accident cover, this will be automatically included in the basic insurance after they reach the age of 75.