Swiss Package for German cross-border commuters. Feel at home with Swiss quality insurance cover.
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1 Swiss Package for German cross-border commuters Feel at home with Swiss quality insurance cover.
2 Welcome to Switzerland s leading health insurer We are there for you. Personal, close at hand, committed. Switzerland offers many foreign cross-border commuters attractive employment opportunities, which is the reason why the number of cross-border commuters is rising steadily. We have recognised this trend and have responded to the new situation. In order to adequately cover the changed needs, we offer a comprehensive insurance solution for German cross-border commuters. The Helsana Swiss Package offers you a comprehensive health insurance package with attractive benefits. We are happy to advise you and be there for you to ensure that you have the perfect insurance cover for your new situation. The Helsana Group is Switzerland s leading health and accident insurer. Nearly 1.9 million people in Switzerland place their trust in our ability to cover the financial consequences of illness, accidents, maternity and old age. Helsana s enormous expertise and 100 years of experience make it possible to offer you everything you expect from a professional, leading health insurer: personal, individual advice bespoke range of products outstanding services attractive premiums Enjoy the freedom of choosing where to be treated As a cross-border commuter with Swiss health insurance, you enjoy special benefits. You can choose whether to receive treatment in Switzerland or in Germany. Insured benefits are always based on the health insurance acts of the country in question (GKV in Germany or KVG in Switzerland). Treatment in Switzerland You can visit a doctor or hospital of your choice (listed hospitals), with the exception of dentists. When claiming benefits under compulsory healthcare insurance, you pay a fixed annual deductible of CHF 300, after which you pay a 10% co-payment per invoice (up to CHF 700 per year). You are subject to Swiss law. Using healthcare services in Germany Helsana will send you form E-106 for international mutual benefits assistance. To register for mutual benefits assistance, please forward this to a state health insurer of your choice in Germany. In return, you will be given a local insurance card for processing treatment costs in Germany. Assumption of non-cash care benefits. Cost contributions in Germany are always governed by the provisions of the statutory health insurance (GKV). You are subject to German law.
3 Discover the optimum solution for cross-border commuters Helsana has developed an innovative and affordable health insurance solution exclusively for German cross-border commuters that you can benefit from. Four perfectly harmonised, modular, combinable components: BASIS compulsory health insurance. This basic insurance provides statutory benefits to cover essential medical needs in the event of illness, accidents and maternity. HOSPITAL ECO supplementary hospital insurance with a range of excellent benefits for inpatient treatment abroad, household help, and spa and convalescent therapy. COMPLETA supplementary insurance provides comprehensive worldwide cover in the event of emergencies, along with a range of generous benefits in the areas of prevention, health promotion and complementary medicine. Helsana Advocare PLUS or Helsana Advocare EXTRA legal expenses insurance. These supplementary insurances provide comprehensive civil, motorists and Internet legal expenses cover tailored to your needs. The exclusive Swiss Package for cross-border commuters is best taken out as a full package. COMPLETA and HOSPITAL ECO can only be concluded in combination with BASIS. Helsana Advocare PLUS and Helsana Advocare EXTRA can only be concluded in combination with COMPLETA supplementary insurance.
4 BASIS Well insured with excellent service and options By taking out BASIS, you are taking out compulsory basic insurance in Switzerland, allowing you to freely choose your doctor at any time and consult with them directly. If necessary, you can also contact a specialist directly. Furthermore, BASIS basic insurance offers you many free additional benefits and attractive, preferential conditions with several partner companies. Benefits in Switzerland Inpatient treatment: Treatment provided by Federally certified doctors, chiropractors and medical support staff in the canton in which you work BASIS Free choice of doctor No restrictions in the choice of medical provider in the canton where you work Inpatient treatment: Full cover throughout Switzerland on the general ward of any hospital featuring on the cantonal list of hospitals. Nursing care: In recognised nursing homes. Maternity: Special benefits for check-ups, birth preparation, labour and breastfeeding guidance. Medical prevention: We reimburse the costs for specific examinations for the early detection of illnesses and for preventive measures (e.g. vaccinations). We contribute to the cost of: medically prescribed spa therapies and medication covered by statutory health insurance medically necessary search and rescue operations and transport emergency treatment during temporary stays abroad Co-payment: Insured persons are expected to contribute to the cost of medical treatment in Switzerland by paying a fixed annual amount (annual deductible) of CHF 300 towards the costs of treatment for benefits covered by compulsory basic insurance. Once this annual deductible has been exhausted, the insured person must bear a 10% co-payment for all treatments received from then on, but no more than CHF 700 per year.
5 COMPLETA Comprehensive cover that meets the highest demands COMPLETA supplementary insurance offers comprehensive cover that meets the highest demands. Expenses incurred for glasses and contact lenses, alternative treatment methods and preventive measures are reimbursed at a generous rate. Overview of benefits Scheduled outpatient treatment: In Germany and abroad 90%, up to CHF 1,000 per year. Complementary medicine Having an alternative 75% of costs for alternative treatments and medications reimbursed Abroad*: Worldwide cover for emergency treatment during stays abroad, up to 12 months. Glasses/contact lenses: 90%, up to CHF 300 per year. Complementary medicine: Doctors, therapists, naturopaths recognised by Helsana. In Switzerland: 75 %, unlimited for outpatient treatment; up to CHF 5,000 per year for inpatient treatment. In Germany: 75%, up to CHF 1,000 per year for outpatient treatment. Up to CHF 500 per year for inpatient treatment. Prevention: Preventive measures approved by Helsana, e.g. vaccinations, ultrasound. 90%, up to CHF 750 per year. Glasses and contact lenses 90%, up to CHF 300 per year Benefit from generous contributions Health promotion Health promotion measures in Switzerland approved by Helsana, e.g. fitness, back. 75%, up to CHF 200 per area, up to CHF 500 per year. Transport: In Switzerland and Germany up to CHF 20,000 per year. Medication not covered by statutory health insurance: 75% for complementary medicines. 90% for medications approved by Swissmedic. * "Abroad" refers to all countries other than Switzerland and Germany.
6 HOSPITAL ECO Overview of benefits and advantages HOSPITAL ECO supplementary hospital insurance offers you a free choice of hospitals throughout Switzerland (listed hospitals). You will be accommodated in a multi-bed room in the general ward of the hospital and will enjoy attractive supplementary insurance benefits on top of your compulsory basic health insurance cover. Unrestricted choice of hospital You are free to choose the hospital you want anywhere in Switzerland (listed hospitals) Examples of benefits covered Hospital stays in Switzerland: Full coverage of costs associated with hospital stays and treatment on a general ward (multi-bed room). Free choice from among all the hospitals in Switzerland on the cantonal hospital lists (listed hospitals). Hospital stays in Germany and other countries: Up to CHF 500 per day, for up to 60 days per year for emergency and scheduled inpatient treatment. Household help CHF 30 per day, for a maximum of 30 days per year for household help following acute inpatient treatment. Spa and convalescent therapies: Up to CHF 30 per day for up to 30 days for inpatient spa and convalescent therapies in recognised therapeutic spas and convalescent facilities. KidsCare: Professional care for your sick child Childcare Nanny Service: Up to 30 hours per year for the care of healthy children up to the age of 15 when one insured parent is in hospital. Care is provided at home on weekdays by experienced caregivers. KidsCare (childcare): Up to 30 hours per year for the support and care of insured sick or injured children up to the age of 15 of working parents. Care is provided at home by qualified caregivers. Nanny Service: Childcare from experienced caregivers while a parent is in hospital
7 Helsana Advocare PLUS and EXTRA Solid legal protection on your side Helsana Advocare provides legal expenses cover in the event of disputes relating to civil, motoring and Internet matters, and is the ideal complement to the healthcare and foreign legal expenses insurance offered by COMPLETA supplementary insurance. Choose the perfect insurance solution for your needs with either the affordable Helsana Advocare PLUS package or no-compromise legal protection with the new Helsana Advocare EXTRA package. Legal protection tailored to your needs Legal advice and representation in the event of disputes involving civil, motoring and Internet law Helsana Advocare PLUS benefits Insured sum Up to CHF 300,000 in Switzerland and Europe and CHF 30,000 worldwide. Legal disputes involving a landlord vis-à-vis tenants Legal advice expenses cover up to CHF 300 is provided. Internet legal expenses insurance As per Swiss contract law. Helsana Advocare EXTRA benefits Insured sum Up to CHF 1,000,000 in Switzerland and Europe and CHF 100,000 worldwide. Legal disputes involving a landlord vis-à-vis tenants Legal advice expenses cover is provided up to CHF 10,000. Comprehensive benefits throughout Europe and worldwide Internet legal expenses insurance Comprehensive Internet legal expenses cover including property insurance benefits and cover of disputes arising from the infringement of copyright, name and trademark rights. Helsana Advocare PLUS and Helsana Advocare EXTRA can only be taken out in combination with COMPLETA supplementary insurance. Legal fees, court and trial costs, expert opinions, mediation and court-awarded costs worldwide
8 HEL en Helsana Group Customer Services International P.O. Box 8081 Zurich The Helsana Group comprises Helsana Insurance Company Ltd, Helsana Supplementary Insurance Ltd, Helsana Accidents Ltd, Avanex Insurance Ltd, Progrès Insurance Company Ltd and Sansan Insurance Ltd. Advisory service for cross-border commuters (multilingual advisory team) helsana.ch/cross-border-commuters
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