Close important coverage gaps in basic insurance: complementary medicine, fitness subscription, glasses, contact lenses, treatments abroad and much more.

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  • 300 francs per year for glasses and contact lenses
  • Cost contributions for prevention measures
  • Cost contributions for complementary medicine

Insured services

Helsana Versicherungen AG will reimburse you for the following services from the COMPLETA supplementary insurance in addition to the statutory benefits of the basic insurance:

Complementary medicine
You receive 75% of the costs for outpatient treatment. For inpatient treatment you will receive 100% of the costs up to a maximum of 5,000 francs per calendar year.

Glasses and contact lenses
You receive 90% of the costs up to a maximum of 300 francs per calendar year for your glasses and contact lenses.
What does your basic insurance cover?
Children and young people up to the age of 18 receive 180 francs per year for their glasses or contact lenses.
Tooth misalignment corrections / wisdom teeth
Up to the age of 20, you receive 75% of the costs up to a maximum of 10,000 francs per calendar year for tooth or jaw misalignment corrections (e.g. braces) and removal of wisdom teeth.
Special forms of treatment
You will receive 75% of your costs up to a maximum of 4,500 francs per calendar year for special forms of treatment such as non-medical psychotherapy, sterilization, vasectomy and much more.
Non-contract doctors
You will receive 90% of your costs for outpatient treatments carried out by a non-contracted doctor (excluding psychotherapy).
Transportation and rescue in Switzerland
In addition to the transport benefits of the basic insurance, you will receive 100,000 francs per calendar year for rescue, recovery or emergency transport in Switzerland.
Health promotion
You receive 75% of the costs up to a maximum of 200 francs per calendar year for health-promoting exercise offers such as strength and endurance training in the fitness center (fitness subscription) as well as many other courses (aquafit, gymnastics, first aid, etc.).
Prevention (medical care)
You receive 90% of the costs up to a maximum of 750 francs per calendar year for preventive measures such as vaccinations, cardiovascular check-ups, ultrasound examinations, smoking cessation or examinations for the early detection of cancer.
Utilities and items
You receive 90% of the costs up to a maximum of 1,500 francs per calendar year for medically prescribed aids and items (e.g. blood pressure monitors, shoe insoles, etc.).
Foreign Protection
For outpatient and inpatient emergency treatment in EU and EFTA countries as well as Great Britain, you receive 100% of the costs that exceed the benefits of basic insurance. Any foreign cost contributions are insured if they amount to more than 300 francs. Elsewhere abroad, you receive 100% of the costs that exceed the benefits of the basic insurance, although you have to cover the Swiss cost contribution (annual deductible and deductible) yourself.
Transportation and rescue abroad
You will receive the entire cost of transport to the nearest suitable hospital.
Health and foreign legal protection
You will receive legal advice and representation as well as reimbursement per legal case up to a maximum of 250,000 francs in Europe and 50,000 francs outside of Europe.
Telephone travel advice
You benefit from free telephone travel advice from Travelcheck.

Frequently Asked Questions

Why do I need additional outpatient insurance?
With additional outpatient insurance – also known as supplementary health insurance – you supplement your basic insurance and thus close important coverage gaps. It covers costs for various treatments such as psychotherapy or complementary medicine treatments, but also contributions to fitness courses and subscriptions, medication, orthodontic or surgical treatments, rescue costs abroad and much more.
Is it worth upgrading to COMPLETA if I already have TOP or SANA?
If you like to be covered as broadly as possible, then COMPLETA is worth it for you. This closes most of the coverage gaps in basic insurance. COMPLETA combines the advantages of TOP and SANA. Better yet: Many remunerations are even more generous, for example for medical aids or preventative measures such as check-ups. And you get twice as much money back for glasses and contact lenses as with TOP. In addition, treatments abroad and by non-contracted doctors are supported.
When is it worth upgrading to COMPLETA EXTRA?
COMPLETA EXTRA expands the scope of coverage of COMPLETA. Additional insurance is worthwhile if health promotion services are important to you. Among other things, you will receive additional contributions for health promotion, complementary medicine, prevention as well as for glasses, contact lenses and laser eye correction.
Who can complete COMPLETA?
You can take out the insurance if you live in Switzerland (official residence) and have a health declaration with a positive acceptance letter from Helsana Versicherungen AG.
How and when can I cancel the insurance?
The minimum term is one year. The contract is automatically extended for another year each year when it expires.
You can cancel the insurance on December 31st and switch to another health insurance company in Switzerland. A notice period of three months applies. The cancellation must be received by your health insurance company by the last working day in September at the latest. If the insurance premium changes, a one-month notice period applies. We must then receive the notice of termination by the last working day in November at the latest.
How can I save on premiums?
If you have your family members insured in the same contract, Helsana Versicherungen AG will grant you a family discount. If you have two members or more you will benefit from a 5% discount on this and other additional insurance policies, and if you have three members you will benefit from a 10% discount.
Is there a waiting period?
A waiting period is the time (from the beginning of a contract) during which you are not yet entitled to insurance benefits. The length of a waiting period can vary depending on the insurance benefit.
In the case of maternity, a waiting period of 365 days applies. In this case, you can only receive benefits after the end of the first insurance year at the earliest.