Our products for Italian cross-border commuters. Feel at home. With Swiss-quality insurance cover.

Transcription

1 Our products for Italian cross-border commuters Feel at home. With Swiss-quality insurance cover.

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3 Welcome to Switzerland s leading health insurer We are there for you. Personal, close at hand, committed. Switzerland is an attractive job market for foreign workers, and the number of cross-border commuters is increasing all the time. We at Helsana have recognised this trend and have responded to the new situation. We have put together a comprehensive insurance solution that is perfectly tailored to the needs of the Italian cross-border commuter. The Helsana Group is Switzerland s leading health and accident insurer. Nearly 1.9 million people in Switzerland place their trust in Helsana s ability to cover the financial consequences of illness, accidents, maternity and old age. Vast expertise acquired in 100 years of service mean that we can offer you everything you would expect from a professional and leading health insurer: personal, tailored advice bespoke range of products outstanding services attractive premiums

4 You benefit from being able to choose where you receive your medical treatment As a cross-border commuter with Swiss health insurance, you enjoy special benefits: Because you decide whether you receive your treatment in Switzerland or in Italy. Insured benefits are always geared to each country s health insurance legislation. Treatment in Switzerland You can visit the doctor or hospital of your choice (listed hospitals). When claiming benefits under compulsory health 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 in this case. Using healthcare services in Italy Helsana will send you form E-106 for international mutual benefits assistance. To register for mutual benefits assistance, please forward this to the Azienda Sanitaria Locale in your place of residence. By registering, you will be given a local insurance card for processing treatment costs in Italy. Assumption of non-cash care benefits. Co-payments in Italy are always governed by the provisions of statutory health insurance legislation. You are subject to Italian law in this case.

5 Discover the perfect solution for cross-border commuters Helsana has developed an innovative and affordable health insurance solution exclusively for Italian cross-border commuters that you can benefit from. Five perfectly harmonised, modular, combinable components: BASIS compulsory health care insurance. This basic insurance provides statutory benefits to cover essential medical needs in the event of illness, accidents and maternity. 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. HOSPITAL ECO supplementary hospital insurance with a range of excellent benefits for inpatient treatment abroad, household help, and spa and convalescent therapies. DENTAplus dental insurance offering worldwide cover for illness-induced dental treatment including prophylactic care, as well as orthodontics and oral surgery. Helsana Advocare PLUS or Helsana Advocare EXTRA legal expenses insurance in the areas of civil, motorists and Internet law providing comprehensive legal cover tailored to your needs. COMPLETA, HOSPITAL ECO and DENTAplus are available only with the BASIS insurance plan. Helsana Advocare PLUS and Helsana Advocare EXTRA are available only in combination with COMPLETA supplementary insurance.

6 BASIS Well insured with excellent service and options With BASIS, you conclude basic compulsory insurance in Switzerland, which means you have a free choice of doctor and can visit them directly at any time. If necessary, you can contact a specialist directly. With the BASIS insurance plan, you are also eligible for free supplementary services and other attractive preferential conditions from 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 in which you work Inpatient treatment: Full cover throughout Switzerland on the general ward of any hospital included on the cantonal hospital list ("listed hospitals"). Healthcare: At approved nursing homes. Maternity: Special benefits available for check-ups, pre-natal classes, birth and breastfeeding guidance. Medical prevention: We reimburse the costs of 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 medications 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. On top of this annual deductible, they incur a co-payment of 10% per claim up to a maximum of CHF 700 per year.

7 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: 90% for treatment abroad, up to CHF 1,000 per year. Complementary medicine It s good to have an alternative 75% of the cost of alternative treatment and medication in Switzerland is reimbursed Abroad: Worldwide cover for emergency treatment during trips abroad lasting up to 12 months. Glasses/contact lenses: 90%, up to CHF 300 per year. Complementary medicine: Doctors, therapists, naturopaths approved by Helsana. In Switzerland: 75%, no limit for outpatient treatment. Up to CHF 5,000 per year for inpatient treatment. Prevention: Preventive measures approved by Helsana, e.g. vaccinations and ultrasound. 90%, up to CHF 750 per year. Transport: In Switzerland, up to CHF 100,000 per year. Glasses and contact lenses 90%, up to CHF 300 per year Profit from generous allowances Medication not covered by statutory health insurance: 75% for complementary medications prescribed by a physician or naturopath. 90% for medications approved by Swissmedic. Health promotion: Health promotion measures in Switzerland approved by Helsana, e.g. gym memberships, back and body-wellness courses. 75%, up to CHF 200 per area, up to CHF 500 per year.

8 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. Unlimited choice of hospital You are free to choose your hospital anywhere in Switzerland (listed hospitals) Overview of benefits Hospital stays in Switzerland: Full cost coverage in connection 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 list. Hospital stays abroad: Up to CHF 500 per day, for up to 60 days per year, for emergency and scheduled inpatient treatment. Household help: Following an acute inpatient hospital stay, CHF 30 per day for up to 30 days per year for household help. Spa and convalescent therapies: Up to CHF 30 per day for up to 30 days for inpatient spa and convalescent therapies at approved therapeutic spas and convalescent facilities. KidsCare: Professional care and nursing of a sick child Childcare Nanny Service: Childcare from experienced caregivers while a parent is undergoing treatment in hospital Nanny Service: Up to 30 hours per year for the care of healthy children aged 15 and under while an insured parent is undergoing treatment in hospital. This service is provided weekdays at the family home by a trained professional. KidsCare: Up to 30 hours per year for the care and nursing of insured sick or injured children up to the age of 15 of working parents. This service is provided at the family home by trained professionals.

9 DENTAplus For your dental health DENTAplus dental cover protects you from the generally very high cost of illness-induced damage to your teeth. In addition, you will receive allowances towards preventive treatment such as dental hygiene and check-ups by the dentist. Dental treatment Such as the removal of wisdom teeth, root treatment, crowns, caries treatments such as fillings, etc. even while abroad Benefits The costs of dental treatment including preventative measures, check-ups, orthodontics and maxillary surgery are covered as follows depending on the option chosen: Light option 75% of expenses assumed, up to a maximum of CHF 300 per year. Bronze option 50% of expenses assumed, up to a maximum of CHF 1,000 per year. Silver option 75% of expenses assumed, up to a maximum of CHF 2,000 per year. Check-ups Carried out on a regular basis by the dentist, including dental hygiene Gold option 75% of expenses assumed, up to a maximum of CHF 3,000 per year. Combi option 50% of dental expenses assumed up to CHF 1,000 per year, and 80% of any costs exceeding CHF 2,000. The cost of dental treatment anywhere in the world is covered, provided that the foreign dentist s training is equal to that of a Swiss practitioner.

10 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 the supplementary COMPLETA plan. 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 up to CHF 30,000 worldwide. Legal disputes involving a landlord vis-à-vis tenants Legal advice cover up to CHF 300 is provided. Internet legal expenses insurance Within Swiss jurisdiction. 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 cover up to CHF 10,000 is provided. Comprehensive benefits all over Europe and around the globe Internet legal expenses insurance Comprehensive Internet legal expenses insurance 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 are available only in combination with the COMPLETA supplementary insurance plan. Legal fees, court and trial costs, expert opinions, mediation and court-awarded costs worldwide

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12 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 (multi-lingual advisory team) helsana.ch/cross-border-commuters