Helsana

What Helsana does

Helsana Versicherung AG is a Swiss health insurance group headquartered in Dübendorf, Zürich, serving more than 2 million insured persons — roughly a quarter of Switzerland's population — and self-positioning as the market leader in Swiss health insurance. The group's revenue model is built on recurring insurance premiums across two layers: mandatory Basic Insurance (Grundversicherung) regulated under Swiss law, and a modular set of Supplementary Insurance products (COMPLETA, SANA, TOP, HOSPITAL Semi-Private/Private/FLEX, PRIMEO, DENTAplus, Baby Package, cross-border commuter cover). Distribution is hybrid: 40 physical consultation locations across Switzerland plus digital self-service through the myHelsana client portal (1.2M+ users) and a connected mobile ecosystem comprising three apps — Helsana+ (rewards/Plus-points, CHF 300+ cash-back annually), Helsana Coach (white-labelled digital coaching by eTherapists GmbH covering exercise, nutrition, mindfulness), and myHelsana (digital insurance folder, invoice scanning, deductible tracking, digital insurance card). Complementing the core insurance stack is the Medi24 telemedicine partnership (24/7 phone, video, symptom-check, appointment booking), a Health Consultation Service for supplementary holders, an Expert Second Opinion service, and a recognised complementary-medicine network of 14,000+ therapists across ~70 treatment methods validated through the EMR quality audit. Fitness/wearable data integrations span Apple Health, Google Fit, Fitbit, Garmin, Polar, Withings, and Suunto, feeding Plus-points verification under anonymised data terms. The group operates through three wholly-owned entities — Helsana Insurance Company Ltd, Helsana Supplementary Insurances Ltd, and Helsana Accidents Ltd — and is led by CEO Roman Sonderegger, with no disclosed parent, PE, or VC ownership.

Name

Helsana

Legal name

Helsana Versicherung AG

Website

https://helsana.ch

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Helsana is a Swiss health insurance group providing mandatory basic and modular supplementary health coverage (dental, hospital, complementary medicine) to over 2 million insured persons across Switzerland, supported by a connected app ecosystem and 40 consultation locations.

Ownership category

akta.pro rank

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Basic Health Insurance (Grundversicherung): Mandatory basic health insurance in Switzerland covering essential healthcare services including doctor visits, hospital stays, and preventive care. Premiums are calculated based on location, age, and coverage model selected.
2. Supplementary Insurance (Zusatzversicherung): Optional supplementary insurance products including outpatient coverage (COMPLETA, SANA, TOP), hospital insurance (HOSPITAL Semi-Private, Private, FLEX), dental insurance (DENTAplus), and inpatient complementary medicine coverage.
3. Digital Services and Apps: Health and wellness applications including Helsana+, Helsana Coach, and myHelsana providing value-added services to policyholders, with partner integrations for health tracking and discount programmes.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Helsana is a Swiss health insurance company offering mandatory basic insurance (Grundversicherung) and a modular suite of supplementary insurance products covering outpatient, inpatient, dental, complementary medicine, and travel coverage for individuals and families. The company complements its insurance portfolio with a connected digital ecosystem including the Helsana+ rewards app, Helsana Coach health coaching app, and myHelsana client portal, alongside 24/7 telemedicine advice via the Medi24 partnership.

Product overview

Helsana is a Swiss health insurance company offering a comprehensive portfolio of insurance products and digital services. The core offering consists of mandatory Basic Insurance (Grundversicherung) supplemented by a modular system of Supplementary Insurance products including COMPLETA, SANA, TOP (outpatient care), HOSPITAL Semi-Private, HOSPITAL Private, HOSPITAL FLEX, PRIMEO (hospital care), and DENTAplus (dental coverage). Special products include the Baby Package for newborns and cross-border commuter insurance. The digital ecosystem comprises three connected apps: Helsana+ (reward programme), Helsana Coach (health coaching), and myHelsana (insurance management), all accessible through the myHelsana client portal. Complementary services include Medi24 telemedicine advice and a Health Consultation Service for supplementary insurance holders.

Differentiator

Problem solved

Functional benefit

Brands

• Helsana+: Bonus programme app that rewards customers for a healthy lifestyle with Plus points redeemable for cash or vouchers
• myHelsana
• Helsana Coach
• COMPLETA
• SANA
• TOP
• DENTAplus
• PRIMEO
• HOSPITAL Semi-Private
• HOSPITAL Private
• Baby Package
• allmo

Products and services

• Basic Insurance (Grundversicherung) Mandatory Swiss basic health insurance covering essential healthcare services including doctor visits, hospital stays, and preventive care. Available via standard, telmed, and GP-based models. For Swiss residents.
• Supplementary Insurance Optional insurance products supplementing basic coverage, including outpatient treatments, inpatient hospital care, dental treatments, and complementary medicine coverage. For Swiss residents and families.
• COMPLETA Supplementary insurance providing 75% outpatient and 100% inpatient coverage for complementary medicine and treatments, with comprehensive benefits for alternative therapies and remedies. For Swiss residents seeking complementary medicine coverage.
• SANA Supplementary outpatient insurance offering 75% coverage for complementary medicine including osteopathy, kinesiology, acupuncture massage, and Bach flower remedies up to specified annual limits. For Swiss residents seeking complementary medicine coverage.
• TOP Supplementary outpatient insurance providing coverage for alternative medicine and various wellness treatments with percentage-based reimbursement up to annual limits. For Swiss residents seeking alternative medicine coverage.
• HOSPITAL Semi-Private Hospital insurance providing full cost coverage in semi-private wards with free choice of doctor and hospital throughout Switzerland, including two-bed room accommodation. For Swiss residents seeking enhanced hospital coverage.
• HOSPITAL Private Hospital insurance providing full cost coverage in private wards with free choice of doctor and hospital throughout Switzerland, including single-bed room accommodation. For Swiss residents seeking premium hospital coverage.
• HOSPITAL FLEX Flexible hospital insurance offering free choice of doctor in semi-private and private wards with customizable coverage levels and premium birth lump sums. For Swiss residents seeking flexible hospital coverage.
• PRIMEO Outpatient insurance providing free choice of doctor at recognized institutions with comfort benefits such as separate recovery zones, snacks, and taxi rides for outpatient procedures. For Swiss residents seeking premium outpatient care.
• DENTAplus Dental insurance with multiple tiers (LIGHT, BRONZE, SILVER, GOLD, COMBI) providing 50-80% coverage for dental treatments, orthodontics, and oral surgery up to CHF 3,000 annually. For Swiss residents seeking dental coverage.
• Baby Package Comprehensive insurance package for newborns combining basic and key supplementary insurance including dental coverage, available before birth without medical examination. For expectant parents and families with newborns.
• Cross-border Commuter Insurance Special insurance products tailored for cross-border commuters living outside Switzerland and working within the country. For cross-border workers needing Swiss-compliant coverage.
• Helsana+ App Digital bonus programme app rewarding healthy lifestyle activities with Plus points redeemable for cash (over CHF 300 annually) or vouchers from partners including Galaxus, Zalando, and Garmin. For Helsana policyholders.
• Helsana Coach App Digital health coaching app providing personalized tips and activities for exercise, nutrition, and mindfulness with over 500 recipes and weekly cooking and fitness classes. For Helsana policyholders seeking wellness guidance.
• myHelsana App Digital insurance folder app enabling document management, invoice scanning, insurance card storage, deductible tracking, and 24/7 access to medical advice via Medi24 integration. For Helsana policyholders.
• myHelsana Client Portal Online customer portal with over 1.2 million users enabling document management, invoice uploads, premium tracking, and integration with Medi24 digital services. For Helsana policyholders.
• Medi24 Medical Advice Telemedicine service providing 24/7 telephone medical advice, video consultations, symptom checking, and digital appointment booking through partnership with Medi24. For Helsana policyholders.
• Health Consultation Service Free health consultation service for supplementary insurance policyholders providing confidential advice on prevention, back pain, mental health, diet, and chronic illness management. For Helsana supplementary insurance holders.
• Expert Second Opinion Service providing expert second medical opinions for policyholders in cases of illness or accident to ensure comprehensive diagnosis and treatment planning. For Helsana policyholders.

Quantifiable outcome

• Over CHF 300 in annual cash payments available through Helsana+ full version
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• eTherapists GmbHcoreTechnology or IntegrationeTherapists GmbH operates the Helsana Coach app as a white-label version of their HUMANOO app. Helsana receives only anonymised user data for Plus point awards while detailed user data remains protected. The partnership enables Helsana to offer digital health coaching content without accessing personal health information.
• Medi24coreTechnology or IntegrationMedi24 provides 24/7 telemedicine services including medical advice by phone, symptom checking, video consultations, and appointment booking. Integrated with myHelsana client portal for seamless customer access to medical guidance services.
• EMR (ErfahrungsMedizinische Register)coreStrategic or Co-development PartnerEMR in Basel is an independent auditing body for complementary therapists that assesses training and awards quality labels. Helsana uses EMR registration as proof of sound training when approving complementary medicine practitioners for their network of over 14,000 recognised therapists.
• GalaxusminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering vouchers and discounts to Helsana+ users who collect and redeem Plus points.
• ZalandominorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering vouchers and discounts to Helsana+ users who collect and redeem Plus points.
• BettyBossiminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering vouchers and discounts to Helsana+ users who collect and redeem Plus points.
• SBB (Swiss Federal Railways)minorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering discounts and offers to Helsana+ users who collect and redeem Plus points.
• MigrosminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering discounts and offers to Helsana+ users who collect and redeem Plus points.
• BlackRollminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering vouchers and discounts to Helsana+ users who collect and redeem Plus points.
• DecathlonminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering discounts on sports and fitness products to Helsana+ users who collect and redeem Plus points.
• PhilipsminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering discounts on health and wellness products to Helsana+ users who collect and redeem Plus points.
• VictorinoxminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering vouchers and discounts to Helsana+ users who collect and redeem Plus points.
• AmavitaminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering discounts at Amavita pharmacies to Helsana+ users who collect and redeem Plus points.
• TicketcornerminorGTM or Marketing PartnerPartner in Helsana+ rewards programme offering event tickets and discounts to Helsana+ users who collect and redeem Plus points.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Concordia Swiss Health Insurance: Concordia is a top-five Swiss health insurer offering the full basic + supplementary stack to Swiss residents, with overlapping distribution including cantonal offices and digital channels.
• CSS Versicherung: CSS is Switzerland's largest health insurer and Helsana's closest direct competitor, offering the same mandatory Grundversicherung plus supplementary products to Swiss residents through a comparable hybrid physical/digital model.
• Groupe Mutuel: Major Swiss health insurance group offering mandatory basic insurance and a broad supplementary portfolio (including Visana-asset lines) across Swiss residents, directly competing with Helsana for the same customer base.
• SWICA Health Insurance: SWICA is a leading Swiss health insurer competing head-to-head on basic insurance, supplementary plans, and complementary-medicine coverage using a similar broker/digital distribution approach.
• Sanitas Health Insurance: Sanitas is a direct Swiss health-insurance peer operating in the same mandatory basic insurance market with comparable supplementary product depth and a similar hybrid distribution model.
• Visana Insurance: Visana is a Swiss health and accident insurer offering basic plus supplementary products across individuals and corporates, serving as a direct competitor in the same regulatory and competitive Swiss market.
• Assura Health Insurance: Assura is one of Switzerland's largest basic-insurance carriers, competing with Helsana on premium-led positioning and serving a similar individual-customer base across cantons.
• Atupri Health Insurance: Atupri is a Swiss health insurer providing mandatory basic insurance plus supplementary plans and is a like-for-like competitor in Helsana's core distribution geography.

Broad incumbents

• AXA Health Switzerland: AXA operates a Swiss health insurance line within its broader multi-line and global insurance portfolio, competing in the same Swiss individual health market but as part of a much larger insurance group.
• Bupa: Bupa is a large international health-insurance/care provider with digital health platforms and chronic-condition management; a comparable scale incumbent in health insurance though operating outside Switzerland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/helsana-versicherungen-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Helsana