Helsana health insurance: premiums, strengths & an honest verdict
Helsana is Switzerland’s largest health-insurance group — with a broad portfolio, high model availability in nearly every region and competitive premiums especially in the Telmed model. The Helsana+ app rewards healthy activity with real francs and is rated one of the best insurer apps.
Nicole Bohne
Insurance & Pension Advisor
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Helsana at a glance
| Insured | over 2.2 million (group incl. Progrès, Sansan) |
| Head office | Dübendorf ZH |
| Highlight | Helsana+ rewards app |
| Market position | largest Swiss health insurer |
Strengths & weaknesses — no marketing
In favour of Helsana
- All models available almost everywhere
- Helsana+ rewards programme (cashback for activity)
- Competitive Telmed premiums
- Cheaper group brands Progrès and Sansan
Worth knowing
- Satisfaction good but not top-tier
- Large group: service experience varies
- Stricter supplementary-insurance underwriting
Who is Helsana for?
Those who want an established, everywhere-available insurer with a solid overall package — and active users of the Helsana+ app earn extra francs on top.
Go deeper
Helsana — FAQ
What does the Helsana+ app actually give me?
You collect points from exercise, prevention and loyalty that are paid out as francs — potentially into the low hundreds per year depending on activity. It offsets a slightly higher premium but does not replace a basic-insurance comparison.
Are Progrès and Sansan "worse" Helsana insurers?
No — basic-insurance benefits are identical by law. The group brands are simply priced differently. It is worth comparing them in the premium calculator.
How do I switch to or away from Helsana?
Basic insurance: cancel by 30 November by registered mail, switch from 1 January. Supplementary cover has its own deadlines (often 30 September) and health screening — never cancel before the new cover is confirmed. We can handle the switch for you.
Do I pay more premium through insurance-guide.ch?
No. Basic-insurance premiums are officially approved and identical whether you sign up directly or through us. We are paid by the insurers via commission; how that works is explained transparently on our advisory page.
