Extra protection with UVG supplementary insurance

Examples

1. When it comes to medical expenses abroad, compulsory accident insurance only covers double the amount of the same treatment in Switzerland. However, an accident overseas can quickly rack up more than twice the cost. Supplementary insurance covers the additional cost.
2. If a cross-border commuter has an accident with their bike and is left facing medical costs in their country of residence, supplementary insurance covers all medical costs that would have been paid for their colleagues in Switzerland.

Benefit details

• Covers the costs of overseas emergency treatments that exceed KVG, UVG or corresponding overseas insurance.
• Insured persons with a place of residence or usual place of residence in EU/EFTA countries receive treatments equivalent to treatments in Switzerland.
• Any co-payments based on legislation in EU/EFTA countries will also be covered.
• The treatments must be effective, expedient and cost-effective.

Example

An employee is seriously injured in a skiing accident. She requires several operations and spends a few days in hospital.

Benefit details

• More peace and quiet thanks to treatment in a semi-private or private ward. 
• Access to specialists thanks to unrestricted choice of doctor and hospital.
• Coverage is valid worldwide.

Example

Long periods of incapacity for work on a reduced salary are putting a strain on the family budget. Financial worries are hindering optimal recovery.

Benefit details

• Any daily benefit supplement of up to 100% of salary is available. 
• The injured person can focus on their complete recovery without financial hardship or social pressure.
• The employer can afford to hire a temporary employee to cover their absence.

Example

Support at home is essential after an operation. A cleaning company can help find the ideal person quickly. Helsana will cover a certain proportion of the costs as long as this is medically prescribed.

Benefit details

• Incapacity for work of at least 50%
• A maximum of CHF 100 per day and no more than CHF 5,000 per accident.
• The household help may not live in the same household and may not be a relation of the insured person.
• Household help will only be covered if this is medically prescribed.

Example

After a ski accident, the injured person would like to have their sprained knee treated using complementary methods like acupuncture alongside conventional medicine. The costs are covered by Helsana.

Benefit details

• Costs covered where medically necessary.
• Up to a maximum of CHF 5,000 per accident.
• Treatment by service providers recognised by Helsana.

Example

Helsana pays a lump-sum death benefit to persons who can be freely specified in advance, e.g. a godchild.

Benefit details

• Lump-sum death benefit paid to individually determined persons.
• Choice depends on order of inheritance or GIC of UVG-Z.

Example

A medication prescribed by a doctor is not covered by statutory health insurance but is necessary and approved. Helsana bridges these insurance gaps and covers the costs.

Benefit details

• Payment for medically prescribed off-list medications (these medications are approved by Swissmedic but cannot be covered by basic insurance).

Example

Unmarried couples also want to make provisions for their family if something should happen to them. Helsana offers this.

Benefit details

• Maximum of 40% of the insured salary (UVG salary and/or surplus salary) provided shared dependent children receive a half-orphan’s pension as defined under UVG and they all live in the same household.
• Otherwise, a one-off lump sum (equal to one times the annual pension).