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Helsana Grundversicherung

Standard model
Free choice of doctor

General

General information:

Health insurance model «Grundversicherung» of the Swiss insurance company Helsana.

Health insurance model:

Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.

Choice of doctor:

Policyholders have free choice of doctors.

Medical partner:

Not specified.

Pharmacy choice:

You get free choice of pharmacy

Payment methods:

18% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
82% of payments are tiers payant, meaning the bills are paid directly by the insurance (Helsana).

Reimbursement:

The average waiting period before tiers garant reimbursement from Helsana is 9 days.

Financial reserves:

The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of Helsana is 119% (according to FOPH data). The minimum ratio required by the FOPH is 100%.

Number of policyholders:

A total of 1,412,757 people hold compulsory health insurance policies from Helsana.

Additional child-discount:

Helsana does not offer additional premium reductions for more than one child.

Bonus insurance:

Helsana Grundversicherung lets you choose claim-free discounts as an option with its compulsory health insurance policies. A 10% markup on premiums applies during your first year as a policyholder, while a discount is applied every subsequent year during which you do not make any insurance claims.

Administrative costs:

4.5% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).

Administrative costs per policyholder:

CHF 171 (as per the most recent BAG data).

Customer satisfaction

General satisfaction 8.0/10 (Very good)

Helpfulness 7.9/10 (Good)

Billing: flexibility 7.6/10 (Good)

Reimbursement: time frame 7.8/10 (Good)

Product information 7.6/10 (Good)

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