Lower your premiums thanks to our tips. Alternative insurance models, the family discount or long-term policies help you to save money in both basic and supplementary insurance.
Alternative insurance models
With the general practitioner model or group practice model (BeneFit PLUS General Practitioner), you can save at least 12% on basic insurance, and this figure increases to 15% if you opt for the Telemedicine model (BeneFit PLUS Telemedicine). With the PREMED-24 medical advice helpline, you can save at least 6%.
Choosing an annual deductible
Choose a deductible for your basic insurance which is higher than the legally stipulated 300 francs per calendar year. For instance, you get up to 50% premium discount if you opt for the 2,500-franc deductible.
Examining your accident coverage
Do you work for the same employer for at least eight hours per week? If so, you are already insured against accidents via your employer and can exclude accident coverage from your basic insurance. Your premium will be reduced by 7%.
Insure everyone who lives in your household under the same contract. In this way, you will benefit from the family discount on supplementary insurances. You will get a discount of 5% for two people and even 10% for three people or more.
If you take out a long-term policy for the supplementary insurances, you are eligible for a 3% discount in case of a 3-year term and a 5% discount in case of a 5-year term.
You can earn more than 300 francs per annum with the new Helsana+ app if you diligently collect Plus points. You will also benefit from attractive discounts from our partners. Download now at helsana.ch/plus.