The most important thing after an accident is to get better as quickly as possible. But it’s just as important to quickly report the accident – whether it happened in Switzerland or abroad. Use the accident form for this.
You can easily report the accident via myHelsana.
Are you familiar with myHelsana? With the client portal, you can take care of all your health insurance matters conveniently from anywhere.
If you have an accident abroad, we need to receive the form «Enquiry regarding accident or illness during a stay abroad». You can report the accident using our “Reporting an accident online” service.
If you would prefer to notify us by post, you can find our form here. Please send the documents to the following address:
Helsana Insurance Company Ltd,
Customer Service International
Yes, tick bites and wasp stings are considered accidents.
Yes, if the accident is covered by the basic insurance policy, you will be billed for your share of the costs. The Swiss Federal Health Insurance Act stipulates that, in the event of an accident, compulsory health insurance covers the same benefits as for illnesses.
Recourse is the right to claim compensation. To be precise, it relates to the right to claim back the cost of services provided (treatment costs) or the uncovered costs (uninsured benefits) directly from the party that caused the accident or from their liability insurance.
If the accident is covered by the basic insurance policy, you will be billed for your share of the costs. However, you can reclaim the uncovered costs directly from the liable party or their liability insurance (direct damages).
Whether you're deep-sea diving, skydiving or motorbike racing: hazardous behaviour refers to actions that expose you to great danger and are therefore very risky. Suva has compiled a list of all the activities that are considered hazardous.
Yes, in some cases, your benefits will be reduced. In the case of
supplementary insurance, benefits are excluded for any illness or accidents caused as a result of hazardous behaviour. You can find more information in the general insurance conditions for supplementary insurance policies.
We're here to help.