BeneFit PLUS Flexmed

Compassana connects you with service providers in the field of medicine and related sectors, and promotes collaboration using a digital health platform. The platform optimises the integrated care delivered by health service providers and the coordination of patient pathways. In real terms, this means a better quality of treatment. When providing advice, for example, the doctors at the Telemedicine Centre can access a customer’s medication data (provided they have given their consent to this). The medication data is based on the customer’s Helsana statements. 
Compassana is a joint project of Medbase, Hirslanden, Groupe Mutuel, Helsana, SWICA, Luzerner Kantonsspitäler and Trifork. Under the umbrella of Bluespace Ventures AG, they ensure the organisation and systematic development of Compassana as shareholders. 
  
Find out more about Compassana 

The data in question is personal data, as well as data relating to your contracts and medications. You are under no obligation to share this data or any other data relating to your contracts or health with the service providers involved in your treatment. You can manage the data access rights yourself in the Compassana app. 

Health data entered in Compassana belongs to you alone. Only you have access to your account. And only you decide with whom the contents of the app are shared. The app features the highest data protection and technical standards and recommendations. Even Helsana cannot access data that you enter into Compassana. 
Data is shared by the myHelsana app with the Compassana app (and not vice versa) in accordance with data protection law. The data shared includes digital medication lists based on Helsana statements, so that general practitioners, specialists, pharmacies and the Telemedicine Centre can take your existing medication regime into consideration when providing advice and treatment. 

The medically certified symptom checker provides an initial assessment of your health problem using AI technology and recommends a course of action. After using the symptom checker, if you do not wish to follow the app’s recommendations you are free to contact your chosen Flexmed GP or group practice, or to consult the Telemedicine Centre. Children under the age of 18 may not use the symptom checker. 

If you encounter any problems or if anything is unclear when installing, registering with or using myHelsana, please contact Helsana’s technical support unit. 

DE/EN: +41 58 340 93 70 
FR: +41 58 340 93 80 
IT: +41 58 340 93 90 
(Monday to Friday, 8 a.m. to 6 p.m.) 

These telephone numbers are specifically for questions about our myHelsana client portal. This service is free of charge. 
  
If you encounter any problems or if anything is unclear when installing, registering with or using Compassana, or when entering data into Compassana or the symptom checker, please contact the Compassana customer service team.  

+41 44 585 76 76 
(Monday to Sunday, 8 a.m. to 7 p.m.) 
support@compassana.ch 
  
Should you have any general questions about your health insurance in Switzerland, please call us on 0844 80 81 82 as usual or contact your customer care team. 

Yes, but only for certain illnesses. The healthcare professional or doctor at the Telemedicine Centre will be happy to discuss this with you. 

Yes. If necessary, the Telemedicine Centre will request the advice of a paediatrician. 

When taking out the Flexmed model, you have to select a doctor or HMO group practice from our Flexmed doctor list as your main contact. If your current GP is on our Flexmed doctor list, you can continue to be treated by them. 
  
If not, you can use our general practitioner search to find a practice that’s compatible with the Flexmed model. In the event of a medical concern, you can choose between the chosen practice and the Telemedicine Centre as your first point of contact. If you need in-person medical treatment, this must be provided by the GP you selected when you took out BeneFit PLUS Flexmed. 

If you have taken out the statutory BASIS standard option with the deductible of CHF 300 with us, you can switch to this alternative insurance model on the first of any month and take advantage of its benefits. 
  
Contact us if you would like to change your current insurance. 

You cannot switch insurance model during the year. If you want to change your compulsory basic insurance as of 1 January, written notice of cancellation must reach your current health insurer by the last working day in November at the latest. 
Contact us if you would like to change your current insurance. 

From the first GP visit or following a referral from the healthcare professional or doctor at the Telemedicine Centre. Calls to the Telemedicine Centre are free of charge. 

In general, yes. Not for the following examinations, however: 

• Gynaecological check-ups 
• Obstetric care 
• Dental treatment 
• Follow-up adjustments of visual aids by an ophthalmologist 

All persons resident in Switzerland can opt for this model. When taking out the BeneFit PLUS Flexmed model, you are asked to select a GP. You can use our GP search to find out whether a GP is available where you live or in the vicinity. 
  
Furthermore, taking out this model is conditional on your willingness to share your health and benefit data with Helsana and any first points of contact. 

Calls to the Telemedicine Centre are generally free of charge, but Helsana advises you to check this with your phone company. 

In an emergency, you can go directly to a hospital or emergency doctor. Following emergency treatment, however, you must inform your general practitioner or the Telemedicine Centre about the emergency consultation. 

The responsibilities are essentially the same when you are abroad. Consult with your GP or the Telemedicine Centre prior to any treatment. 

Helsana is entitled to exclude you from the BeneFit PLUS Flexmed model if you do not adhere to your insurance conditions (installing and registering with the myHelsana app and Compassana app, using the symptom checker for initial assessment of new, acute medical concerns) or to the treatment plan discussed with your GP or your group practice or the Telemedicine Centre. If you violate these obligations, you may be transferred to a basic insurance model. 

Adults aged 18 and over can either select the statutory minimum deductible of CHF 300 or one of five optional deductibles between CHF 500 and CHF 2,500. The higher your deductible, the lower your basic insurance premium. 
  
There is no minimum deductible for children. However, by choosing the optional deductible of CHF 500 for them, you can save on their premium too. 
  
Details about the annual deductible 
  
Still not sure which deductible would be best for you? We would be happy to help. Call us on 0844 80 81 82. 
 
Different rules for cross-border commuters 
For cross-border commuters from EU/EFTA countries, the statutory annual deductible for adults is also CHF 300 a year and there is no annual deductible for children up to the age of 18. However, cross-border commuters cannot be offered optional deductibles, i.e. they cannot opt for a higher deductible in return for a reduced premium. 

There are several ways of saving on your premium for basic insurance. 
  
Tips for saving on basic insurance premiums 

You can terminate the insurance on 31 December of each year and switch to another health insurance company in Switzerland, provided that you have no outstanding premium invoices. A one-month notice period applies. Notice of termination must reach us by no later than the last working day in November. 
  
Details about termination 

You can increase or decrease your deductible on 1 January of the following calendar year. The following deadlines apply: 

• You must lower your deductible by: 30 November 
• You must raise your deductible by: 31 December 

Please note that notification of any change must reach us by no later than the last working day before the stated deadline. 

  
Change deductible 

Those whose income and assets justify financial support are entitled to a premium reduction (PR). The premium reduction differs from canton to canton. This often needs to be requested by the insured person in order for it to take effect. It is therefore worth asking the competent office in your canton of residence whether you are entitled to financial support for your health insurance.  
 
Details about the premium reduction