PREMED-24
If you have health problems, always call the free medical advice from Medi24
: 0800 773 633. They will give you non-binding advice. This way you can avoid unnecessary doctor visits and save 8% on your health insurance premiums.
- Free, non-binding advice
- Medical support around the clock
- 8% discount on your insurance premium
This is how PREMED-24 works
Whether therapy, referral to a specialist or admission to hospital: Medi24's medical advice is your first point of contact. The suggested treatment is a recommendation. You decide for yourself how to proceed.
Illness or
accident
Medical
advice hotline
Further
Treatment
Emergency: In an emergency situation, contact an emergency doctor or a hospital directly.
Emergency
Emergency doctor or
Hospital
Important: Please also report emergencies to telemedical care afterwards.
Insured services
The benefits are the same for all basic insurance models. We will reimburse you for the following services after deducting the statutory cost contribution (deductible / deductible / hospital cost contribution) from the PREMED-24 insurance model.
Hospital stays in Switzerland
You will receive the costs for the stay, care and treatment in the general ward (multi-bed room).
Foreign Protection
In the event of an emergency, you will receive the relevant social tariff in the EU/EFTA countries. In all other countries we will reimburse a maximum of twice the amount insured in Switzerland.
Transportation and rescue in Switzerland
For transport you receive 50% of the costs up to a maximum of 500 francs per calendar year. For rescue operations, we reimburse 50% of the costs up to a maximum of 5,000 francs per calendar year.
Medicines
You will receive the costs for medications prescribed by a doctor that are listed in the specialty list. If several medicines with the same active ingredient composition are listed, the deductible can be 20%.
Outpatient treatments - conventional medicine
You will receive the costs according to the rate of the recognized specialist throughout Switzerland.
Outpatient treatments - complementary medicine
You will receive the costs according to the rate of the recognized specialist throughout Switzerland.
Prevention (medical care)
You will receive the costs for certain preventive examinations and measures.
Utilities and items
You will receive the costs up to the statutory maximum amount for medically prescribed aids and items.
Pregnancy
You will receive costs for examinations and birth preparation measures.
Nursing
You receive contributions towards the costs of care at home (Spitex) and in the nursing home.
Spa treatments
You will receive 10 francs per day for spa treatments in recognized spas in Switzerland.
Frequently Asked Questions
Why do I need basic insurance?
Health insurance according to the Health Insurance Act
(KVG) is mandatory for all people living in Switzerland. It guarantees basic medical care in the event of illness, accident and maternity.
The scope of services is specified by law. You will therefore receive exactly the same services from every health insurance company in Switzerland.
What are the advantages of PREMED-24?
You will receive an initial medical consultation by telephone – around the clock, 365 days a year. You also benefit from the following advantages:
The advice is free of charge for you (depending on your telephone provider, connection costs may apply).
You avoid unnecessary visits to the doctor.
The initial medical assessment is without obligation for you. You decide for yourself how to proceed.
You receive an 8% discount on your basic insurance premium.
Good to know: Medi24's medical advice also supports you digitally with acute medical concerns. Use services such as the symptom checker easily and conveniently via the myHelsana customer portal.
The advice is free of charge for you (depending on your telephone provider, connection costs may apply).
You avoid unnecessary visits to the doctor.
The initial medical assessment is without obligation for you. You decide for yourself how to proceed.
You receive an 8% discount on your basic insurance premium.
Good to know: Medi24's medical advice also supports you digitally with acute medical concerns. Use services such as the symptom checker easily and conveniently via the myHelsana customer portal.
Can I see any doctor I want?
Yes, if you have obtained an initial telephone assessment from the PREMED-24 advice hotline, you can then make an appointment with a doctor of your choice if necessary.< br />
However, many health questions can be clarified during the telephone consultation. Often a visit to the doctor is no longer necessary afterwards.
What happens if I go straight to a specialist?
By choosing the PREMED-24 advice hotline model, you have committed yourself to always obtaining initial telephone advice if you have health problems. If you need a specialist, you can then make an appointment with a doctor of your choice.
If you consult a specialist directly without first consulting the advice hotline, you are ignoring the rules of this alternative insurance model. Helsana can therefore transfer you to the standard basic insurance model. This means you will lose the discount on your basic insurance premium associated with the advice hotline model.
If you consult a specialist directly without first consulting the advice hotline, you are ignoring the rules of this alternative insurance model. Helsana can therefore transfer you to the standard basic insurance model. This means you will lose the discount on your basic insurance premium associated with the advice hotline model.
Is there a charge for the medical advice telephone number?
Calls to the Medi24 medical advice telephone number are generally free of charge. Depending on the telephone provider, connection costs may apply.
When does the cost sharing (annual deductible / deductible) begin?
Only during a consultation after a referral from the medical professional or doctor at the telemedicine center.
Who can take out the insurance model with an initial telephone consultation?
All people who live in Switzerland (official residence).
Can I switch from the BASIS model to the advice hotline model?
If you have insured the legal standard version BASIS with a deductible of 300 francs from us, you can switch to this alternative insurance model on the first of each month and from it Benefit from advantages.
Please contact us if you would like to change your existing insurance.
How and when can I cancel this health insurance?
You can cancel the insurance on December 31st and switch to another health insurance company in Switzerland. The prerequisite is that you do not have any outstanding premium invoices. A one-month notice period applies. The notice of termination must be received by us no later than the last working day in November.
What franchises are there?
Adults aged 18 and over can choose either the statutory minimum deductible of 300 francs or one of five optional deductibles between 500 and 2500 francs. The higher your deductible, the cheaper your basic insurance premium will be.
Children have no minimum deductible. However, you can also save on premiums with an optional deductible of 500 francs.
Are you still undecided about which franchise makes sense in your case? Our customer service representatives will be happy to help you: 0844 80 81 82.
Different regulations for cross-border commuters
For cross-border commuters from EU/EFTA countries, the statutory annual deductible for adults is also 300 francs per year. There is no annual deductible for children up to 18 years of age. However, elective deductibles are not permitted for cross-border commuters. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.
Children have no minimum deductible. However, you can also save on premiums with an optional deductible of 500 francs.
Are you still undecided about which franchise makes sense in your case? Our customer service representatives will be happy to help you: 0844 80 81 82.
Different regulations for cross-border commuters
For cross-border commuters from EU/EFTA countries, the statutory annual deductible for adults is also 300 francs per year. There is no annual deductible for children up to 18 years of age. However, elective deductibles are not permitted for cross-border commuters. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.
How and when can I change my franchise?
You can increase or decrease the deductible on January 1st of the following calendar year. The following deadlines apply:
To reduce (reduce) the franchise: November 30
To increase the franchise: December 31st
Please note that the notification of the change must be received by us by the last working day before the specified date.
Different regulations for cross-border commuters
Voting deductibles are not permitted for cross-border commuters from EU/EFTA countries. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.
To reduce (reduce) the franchise: November 30
To increase the franchise: December 31st
Please note that the notification of the change must be received by us by the last working day before the specified date.
Different regulations for cross-border commuters
Voting deductibles are not permitted for cross-border commuters from EU/EFTA countries. You therefore have no option to choose a higher deductible in conjunction with a premium reduction.
Will I receive a premium reduction?
People whose income and assets justify financial support are entitled to a premium reduction (PV). The premium reduction is regulated differently from canton to canton. Often it only starts when the insured person makes an inquiry. It is therefore worth asking the responsible office in your canton of residence whether you are also entitled to financial support for health insurance.
How can I save on premiums?
There are several ways you can save on premiums for basic insurance.
