myHelsana - Digital health insurance

With myHelsana, you can manage all your insurance-related activities online.

The myHelsana app provides a fast and user-friendly way to handle important health insurance tasks, including inquiries, billing, and personal details.

Here’s why using myHelsana is beneficial:

• No more clutter: myHelsana serves as the digital folder for your health insurance documents; however, you can still opt to receive postal documents if you wish.

• Conveniently scan, send, and view your invoices.

• If questions arise, you can easily reach out through the same channel offered by the myHelsana app.

• Streamlined management: access your benefit statements and policies whenever needed, and monitor your deductible and excess amounts effortlessly.

• Efficient updates: modify your address, accident coverage, or annual deductible directly within the app and manage your payment information quickly.

• Ready for emergencies: your insurance card is available through the myHelsana app.

• Fast searches: locate nearby doctors, therapists, or Helsana-approved fitness centers.

Other features：

Security:

myHelsana ensures your data is safe with encrypted communication for consistent protection.

Requirements:

A myHelsana account is needed

Learn more about myHelsana:

Are you interested in myHelsana? Would you like to create an account?

For any inquiries assistance is readily available.

Value-added services and customer rights：

(1) Health support and benefits

- Helsana + Rewards Program: Encourages customers to maintain a healthy lifestyle (such as exercise and regular physical examinations), and benefits rewards can be obtained after meeting the standards;

- Health Guide (Ratgeber): Provides practical guides on topics such as "Healthy Aging" to help customers maintain their physical and mental health through diet, exercise, etc.;

- Knowledge Center: Organizes medical and insurance knowledge for scenarios such as pregnancy preparation, pregnancy, hospitalization, alternative therapies (such as acupuncture and massage), and answers common questions.

(2) Convenient service experience

- Personalized consultation: Supports online consultation or face-to-face communication at 40 offline service points to help customers determine the appropriate insurance plan;

- Digital tool "myHelsana": As a customer's exclusive "digital insurance folder", it can manage insurance policies, submit medical invoices, and check claim progress online;

- Service inquiry and appointment: Online inquiry of medical/physiotherapy institutions (such as doctors, rehabilitation centers) and appointment for insurance consultation without the need to go offline.

(3) Customer Protection and Satisfaction

- Received the "High Customer Satisfaction" certification in industry ratings many times, and the quality of insurance products and services is recognized by the market;

- Provides a premium calculator: customers can quickly estimate the premium for themselves or their unborn children by entering information such as date of birth and postal code, which is transparent and convenient.

Applicable groups：

- Swiss residents: individuals who need to purchase statutory basic health insurance or want to supplement dental, private medical and other insurance;

- Cross-border commuters: people who travel between Switzerland and neighboring countries for work and need to adapt to cross-border medical insurance;

- Families with newborns: parents seeking exclusive medical insurance for their babies;

- Enterprises: companies that want to provide group health benefits to their employees and improve employee satisfaction.

FAQs：

1. **Q:** What are the core functions of the myHelsana app? What insurance-related matters can it handle?

A: The core function is online management of all insurance-related matters, essentially a personal "digital insurance folder." It allows scanning, sending, and viewing medical invoices; accessing policies and benefit descriptions at any time; monitoring deductibles and out-of-pocket expenses; directly modifying information such as address, accident insurance coverage, and annual deductibles; managing payment details; accessing electronic insurance cards in emergencies; and searching for nearby doctors, therapists, or Helsana-certified fitness centers.

2. **Q:** What is the difference between statutory basic insurance and supplemental insurance in Switzerland? Can both be processed through this app?

A: Basic insurance is mandatory for Swiss residents, covering basic medical services related to illness, accidents, and maternity. Five coverage options are available, and premiums are determined by age and place of residence. Supplemental insurance covers items not included or partially covered by basic insurance, such as dental treatment, alternative therapies, and rescue costs. A health declaration is required, and premiums are also influenced by gender. Both types of insurance can be inquired about and processed through the app, or you can choose to purchase separate policies from different insurance companies.

3. **Q: What special benefits does insurance offer for cross-border commuters? Is medical treatment reimbursed in their country of residence?**

A: Cross-border commuters enjoy the right to freely choose doctors and directly access specialist care. General ward expenses in Switzerland are reimbursable. In emergencies, claims in the EU/EFTA/UK are processed according to local social security rates. Reimbursement in other countries is up to twice the Swiss coverage amount. Medical treatment in the country of residence requires following specific procedures: French residents need to register with a local health insurance agency and claim using their relevant insurance card. EU/EFTA/UK residents will receive an S1 certificate, which can be submitted to the legal insurance company in their country of residence to obtain a local insurance card for settlement.

4. **Q: How does the app protect users' personal data and insurance information?**

A: The app uses encrypted communication technology to protect data security. From access permissions to information transmission, there are dedicated technical and organizational measures to effectively prevent the leakage of personal information and insurance-related data, allowing users to handle various insurance matters with peace of mind.

5. **Q: Will insurance cover pregnancy-related examinations and prenatal checkup courses?**

A: Yes, it will. From the 13th week of pregnancy to the 8th week postpartum, there are no deductibles or out-of-pocket expenses for related medical costs; statutory prenatal checkups before and after delivery (including doctor or midwife consultations, laboratory tests, and ultrasound examinations) are also covered without out-of-pocket costs. Basic insurance also covers prenatal classes costing up to 150 Swiss francs.