New for supplementary insurance

In section 12.1 we have clarified the existing criteria for setting premiums by age group. Depending on the product, premiums may be increased until the highest age group is reached, i.e. 91. Helsana will notify you of age-related premium adjustments when it sends out your insurance policy. If you do not agree to a premium adjustment, the shortened notice period of 30 days will apply as per section 16.  
In accordance with section 10.2, notice of cancellation may be submitted in writing or in another form that provides proof in text form (e.g. via a portal message). A handwritten signature is no longer required.

The General Insurance Conditions are available on the Helsana website: helsana.ch/gic. 

Section 3.2 contains new rules on the extent to which COMPLETA contributes to the costs of certain medication categories. From 1 January 2027, higher excesses and benefit limitations will apply for cell and gene therapies (ATMPs), therapies for very rare illnesses (orphan drugs), medication for weight management, neurodegenerative illnesses (e.g. dementia), the treatment of infectious diseases in the context of epidemics or pandemics (anti-infectives) and resulting complications, as well as medication for fertility disorders. This applies to medication for which Swissmedic approval is granted, changed or extended to other areas of application on or after 1 November 2026. This amendment is based on section 11.1 of the General Insurance Conditions for Supplementary Health Insurance (GIC). This provision allows us to adapt the AIC in response to developments in modern medicine and the introduction of new or cost-intensive forms of therapy, specifically for medication. This helps us ensure that COMPLETA remains attractive and sustainable in the long term at fair premiums. Insured persons who do not accept the change may cancel their COMPLETA Supplementary Health Insurance in writing as of 31 December 2026. Your notice of cancellation must reach us by 30 November 2026.

GIC and AIC are available on the Helsana website: helsana.ch/gic.

Premiums for the COMPLETA EXTRA product will increase by 5.4% for the 26–50 age group. 

Premiums for the CURA product will be reduced by 7.2% for all insured persons. The temporary 5% discount will continue in 2027. 

Premiums for the HOSPITAL ECO product will be reduced by 12.7% for all insured persons.

Premiums for the HOSPITAL FLEX product (options 1 and 2) will be reduced in most cantons and increased in individual cantons. In addition, a temporary 5% premium discount will be granted in 2027, due to the uncertainty regarding the development of benefit costs.  
 
Premiums for the optional supplementary module will be reduced by 50%. 

On 1 January 2027, premiums for the HOSPITAL PLUS CLASSICA product will increase by 0.5% for the entire portfolio.

Due to lower benefit costs, PRIMEO product customers will enjoy a premium discount of 20% in 2027. 

Premiums for the SANA product will increase by 4.5% for female insured persons aged 16 and over, due to higher benefit costs. 

Due to lower benefit costs, VARIA product customers will enjoy a premium discount of 5% in 2027.

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

CURA Long-Term Care Insurance with HOSPITAL (AIC 2014 edition)

Upon reaching OASI retirement age, you will receive CURA Long-Term Care Insurance with effect from 1 January 2027 as an integral part of your HOSPITAL supplementary insurance (HOSPITAL ECO/PLUS/COMFORT/PLUS BONUS/COMFORT BONUS/PLUS CLASSICA/COMFORT CLASSICA or ALBERGO DUO/SOLO with the Additional Insurance Conditions (AIC) 2014 edition), without a medical examination. 

The level of the daily benefit depends on which supplementary hospital insurance has been taken out. CURA makes contributions to uncovered costs that may arise as a result of care at home or in a nursing home.

Key benefits of CURA at a glance

Contribution towards uncovered household care costs for care at home as soon as the selected waiting period has expired; contribution to uncovered accommodation and board costs for inpatient care; lifelong coverage for permanent care needs. Your policy document states the exact details of the product together with the monthly premiums for CURA.

Do you not want to take out the CURA Long-Term Care Insurance that you have been allocated, in spite of the benefits?

Please notify us in writing by 31 December 2025. In this case, the relevant insurance coverage will not begin on 1 January 2026.

OMNIA: Adjust your options without a health assessment

All insured persons who will turn 25, 30, 35, 40, 45, 50 or 55 in 2026 and who have taken out the OMNIA product have been informed in advance. They can adjust their product to suit their new stage of life without undergoing a health assessment. 

DENTAplus Bronze-Zusatzversicherung gemäss Anspruch aus TOP oder COMPLETA

Nach der Vollendung des 20.  Altersjahres entfällt per Ende des Kalenderjahres der Versicherungsschutz für Behandlungskosten bei Zahnfehlstellungskorrekturen aus den Produkten TOP und COMPLETA. Dafür erhalten die Versicherten per 1.  Januar 2027 die Zahnpflegeversicherung DENTAplus Bronze ohne Gesundheitsprüfung. Die monatlichen Prämien für DENTAplus Bronze und die versicherten Leistungen für zahnärztliche Behandlungen, Prophylaxe, zahnärztliche Kontrollen, Kieferchirurgie sowie Kieferorthopädie sind auf der Police ersichtlich. 

Sie wollen trotz dieser Vorteile auf die zugeteilte Zahnpflegeversicherung DENTAplus Bronze verzichten?

Dann teilen Sie uns dies bitte bis zum 31. Dezember 2026 schriftlich mit. In diesem Fall wird die betreffende Versicherungsdeckung per 1. Januar 2027 nicht in Kraft treten. 

Helsana Advocare PLUS & EXTRA premiums

The products Helsana Advocare PLUS and EXTRA are free until the age of 18. As of 1 January 2027, premiums will become payable on these products at a rate of 50%.

Find out more about the benefits of these products. We’ll be happy to advise you. 

Helsana Advocare PLUS & EXTRA premiums

The young people’s discount will expire at the age of 25 and, as of 1 January 2027, premiums will become payable at a rate of 100% on these products. 

Find out more about the benefits of these products. We’ll be happy to advise you.