Helsana health insurance: premiums, strengths & an honest verdict
What Helsana costs for basic insurance, where it is strong and who it suits: based on official FOPH premiums, with no sponsorship.
*Adult, deductible CHF 2,500, no accident, cheapest model. Official 2027 FOPH premiums. Compare with the cheapest insurer
Helsana at a glance
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.
- Insured
- over 2.2 million (Helsana Group)
- 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
- Broad product range for basic and supplementary cover
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.
Is Helsana right for you?We compare Helsana with every insurer in your premium region, free and independent.→ Go deeper
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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. Progrès and Sansan no longer appear as separate basic insurers, though: the official 2027 FOPH premium list only shows Helsana. Compare Helsana directly with the other insurers in your region in the premium calculator.
How do I switch to or away from Helsana?
Basic insurance: your cancellation must reach the insurer by 30 November (registered mail is safest), and you switch from 1 January. With the CHF 300 deductible and the standard model you can also switch for 1 July if your notice arrives by 31 March. Supplementary cover follows the policy terms; by law you can cancel at the end of the third policy year and every year after that with three months’ notice (Art. 35a VVG). New supplementary cover involves health questions, so 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.
Helsana or another insurer? We compare them all for your postcode.
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
