Helsana Health Insurance
Your In-Depth Guide for Expats in Switzerland (2025)
Expert guidance to help expats understand Helsana's health insurance options, benefits, and make informed decisions for your Swiss healthcare journey.
Standard Model (Free Choice of Doctor)
Complete freedom to consult any doctor or specialist directly without referral
- Direct specialist access
- Maximum flexibility
- No gatekeeper requirements
- Freedom to choose any doctor
- Higher premiums for greater choice
BeneFit PLUS (Family Doctor/HMO)
Consult your chosen family doctor or HMO group practice for all health issues initially
- Significant premium reductions
- Coordinated care approach
- Consistent medical history
- Emergency exceptions
- Direct access for eye/gyn care
BeneFit PLUS Telmed
Call a telemedicine center for initial consultation before visiting a doctor
- Lowest premium rates
- English support available
- Remote consultation convenience
- Health professional guidance
- Referred care when needed
PREMED-24
Similar to Telmed, requiring initial telemedicine consultation
- Balance of cost savings
- Guided healthcare access
- Less restrictive than HMO
- 24/7 medical advice
- Premium discounts
New in Switzerland? Simplecare is here for you
Simplecare helps you find the best possible coverage for your unique situation. Contact us today for a personal and comprehensive consultation.
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