PREMED-24
If you experience health problems, you should always call the free medical advice hotline: 0800 773 633. They will provide you with non-binding advice. This can help avoid unnecessary visits to the doctor and allows you to benefit from an attractive premium discount.
How PREMED-24 works
Whether treatment, referral to a specialist or admission to hospital, the Telemedicine Centre is your first port of call. The suggested treatment is only a recommendation. You should decide for yourself how you wish to proceed.
Illness or accident 
Medical advice hotline 
Further treatment
Emergency: in an emergency, always go directly to an emergency doctor or a hospital.
Emergency 
Emergency doctor or hospital
Your exclusive benefits with Helsana
- Everything to hand at all times with the myHelsana app
- Quick and easy reimbursement
- Round-the-clock medical advice with Medi24
- Access to BetterDoc: find the specialist you need fast
- Collect points with Helsana+ and receive up to CHF 75 per year
Insured benefits
The benefits are the same for all basic insurance models. With the PREMED-24 insurance model, we will reimburse you the following benefits after deduction of the statutory co-payment (deductible/excess/hospital cost contribution).
You receive the costs of medically prescribed medication on the specialities list.
If several pharmaceuticals are listed with the same combination of active ingredients, the excess can amount to 40%.
Downloads
Frequently asked questions
Under the Swiss Health Insurance Act (KVG), health insurance is compulsory for anyone living in Switzerland. It provides basic medical care in the event of illness, accidents and maternity.
The scope of benefits it covers is regulated by law. This means you receive exactly the same benefits from every health insurer in Switzerland.
An initial medical consultation by phone is available round the clock, 365 days a year. At the same time, you benefit from the following advantages:
- The advice is free for you (connection charges may be incurred, depending on your phone provider).
- You avoid unnecessary visits to the doctor.
- The initial medical assessment does not entail any obligation for you. You get to decide how you wish to proceed.
- Attractive premium discount.
Good to know: The Medi24 medical advice team also provides you with digital support with acute medical concerns. Use services like the symptom checker easily and conveniently via the myHelsana client portal.
Yes, if you have contacted the PREMED-24 advice hotline beforehand, you can then make an appointment with a doctor of your choice, if necessary.
However, many health questions can be resolved over the phone, often making a visit to the doctor unnecessary.
When you opt for the PREMED-24 advice hotline model, you agree to always contact PREMED-24 first in the event of a health problem. If you then still need to see a specialist, you can make an appointment with a doctor of your choice. Likewise, you can also use the BetterDoc service free of charge to find the best specialist for you.
If you consult a specialist directly without having called the advice hotline, you are breaching your obligations under this alternative insurance model. As a result, Helsana may switch you to the standard model of basic insurance. This will result in you losing the discount on your basic insurance premium associated with the advice hotline model.
In general, calls to the Telemedicine Centre are free of charge. Connection charges may, however, be incurred depending on your phone provider.
Only when you receive a consultation following a referral from the healthcare professional or doctor at the telemedicine centre.
Everyone who lives in Switzerland (official place of residence).
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 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. There is a one-month notice period. Notice of termination must reach us by no later than the last working day in November.
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 annual deductible
Still not sure which deductible would be best for you? Our advisor will 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 reduction in premium.
You can increase or decrease your deductible on 1 January of the following calendar year. The following deadlines apply:
- When reducing the franchise: 30 November
- When increasing the franchise: 31 December
Please note that notification of change must reach us by no later than the last working day before the respective date.
Different rules for cross-border commuters
Cross-border commuters from EU/EFTA countries cannot be offered optional deductibles, i.e. they cannot opt for a higher deductible in return for a reduction in premium.
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 policyholder 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.
There are several ways of saving on your premium for basic insurance.
Other models under basic insurance
Helsana offers basic insurance as a standard version as well as four alternative models. The benefits are the same for all models.
Do you have questions?
We're here to help.