Helsana Reviews 

The worst health insurance in the history of insurances! If you need to choose one DON’T choose Helsana! During my pregnancy I have payed during the first 3 months all the ultrasounds and test myself even when I was already paying monthly to the insurance, no explanation no nothing! Basically they wait that your child is not a miscarriage to start covering all and if you have the bad luck of having one it is also not covered!!! 🤮🤮🤮🤮🤮 They used to pay my prenatal pills till the last month of my pregnancy in which by magic they were not longer in the list of the medicines they covered, again no explanation no thing but of course each month they were super mega punctual to charge me 😡

When I tried to call and also ask for help or explanations guess what? “This is not covered or there’s none who speaks French” and let me remind everyone here now that Switzerland has 4 official languages and French is one of them!! 🤬 I am more than tired of the lack of communication, attention and service.. many other countries in what everyone call “third world” have much better health insurances and those can truly be called public health care systems not this subcalled public insurances they have in Switzerland and specially not this mess of insurance Helsana is, so NOOO I will never recommend them not even to a person I hate..

I had a very frustrating experience with Helsana’s billing process.

I paid my premiums correctly and on time. However, part of my payment was not properly allocated by Helsana’s system, leaving an artificial shortfall of around CHF 25.

Instead of identifying and correcting their own internal allocation issue, Helsana issued a payment reminder and charged an additional CHF 20 reminder fee.

In other words, I was asked to pay extra because of a problem caused by their own accounting process.

The situation was eventually clarified, but only after I had to follow up myself and escalate the matter to the Ombudsman. There was no proactive explanation or transparency from Helsana.

This kind of billing behaviour creates unnecessary stress and undermines trust. I hope Helsana improves its internal processes and communication to avoid charging customers for issues that are not their fault.

I have been a Helsana customer since 2008 (basic and supplementary insurance) and recently faced a very disappointing experience.
A registered letter sent in October regarding maternity and accident premiums — paid for years despite no longer being relevant — went unanswered. During a call on November 14 on another matter, I mentioned my letter, and the response was cold and dismissive: “no reimbursement, no goodwill gesture.” In short, no appreciation for 17 years of loyalty.
My request to upgrade from semi-private to private hospital coverage was also refused without explanation, despite a transparent medical questionnaire and no foreseeable hospitalization.

I understand that insurers make profits — around 75% net in my case over 17 years — that’s not the issue. What’s unacceptable is the lack of empathy, rigidity, and condescending attitude.
Helsana shows no sense of customer loyalty or respect. I cannot recommend it.

Absolute mess. Just moved to geneva for 1year 3months, my experience with helsana was a total disappointed. Everytime u called the customer service, write them a message on helsana app- same question but different answers from different people. You have to be extremely careful with them. Extremely unprofessional. I will change provider as well.

Well had an accident. First stonewall. Then ask for TEN sets of docs one at a time. Then deny any liability. then fight tooth an nail to reduce it as much as possible. Miss every deadline in comms (ridiculous as some of the deadlines came from themselves).

If you have a mandatory insurance that you know you will NEVER EVER use maybe consider them because they are slightly cheaper. Otherwise, avoid them like the plague. Their policy is to deny all claims and to make your life so hard you give up. A vile, vile company.

It's a bad insurer. Avoid at all means. My wife cant sleep and suffering of pain but these people require 4 week to review.

Agree with the negative reviews. Have been with them since March 2025. Really poor communication: emails bounce around among the various customer service people and you are lucky to get a fast answer. Reminders needed for them to respond. I am now probably transferring to another provider.

I wanted to get an insurance with Helsana. I provided the documents they requested and was told to wait for them to contact me back. It took them one month! Just to ask for more documents which I didn't provide as I no longer wanted to get the insurance with them. Shortly after I received a letter that they had contacted the French authorities on my behalf and had started my contract. No clear communication whatsoever as to where we are at with the procedure! I wanted a call with the service desk but I only received a reply that my insurance was valid and a questsion if I had their new app. Even though the phonecall was scheduled, nobody contacted me. I do not even know how to preceed with the paperwork on my side and Helsana is not helpful at all.

Absolutely awful experience with Helsana – avoid if you value proper support

I’m beyond disappointed with Helsana. I called their telemedicine line for advice and was explicitly told to go to the emergency room at the University Hospital Zurich. I followed their instructions - waited eight hours in the ER .. and now I’ve received a bill of CHF 1'095.25.

What does Helsana do? Refuses to cover a single cent.

How is this even possible when I was acting on their medical advice? I didn’t go there on a whim - they sent me. And I’m the one left footing the entire bill? Absolutely ridiculous.

Their telemedicine service is useless, and their coverage is even worse. I honestly feel scammed. If this is how they treat loyal customers in urgent medical situations, I suggest looking elsewhere for proper health insurance.

Sick pay denied despite medically certified incapacity for work – and all this during an active employment contract! Weeks of silence, just excuses. The illness is real, the evidence is clear.
Helsana not only ignores its obligations, but also turns its back on people in need.
Never again.

Krankentaggeld trotz ärztlich bestätigter Arbeitsunfähigkeit verweigert – und das mitten im gültigen Arbeitsverhältnis! Wochenlang keine Antwort, nur Ausreden. Die Krankheit ist real, die Beweise liegen vor.
Helsana ignoriert nicht nur ihre Pflicht, sondern auch Menschen in Not.
Nie wieder.

#Versicherungsbetrug #FINMA #Helsana
#InsuranceFraud #FINMA #Helsana

I have been with them for 7 years with no issues until now! Very disappointed with their service after refusing to pay for treatment i had with a doctor for over 2 years for Chronic Migraines. Do not use them as they are no longer as good,as,they used to be.

If it's would be possible, I would give -.
It's everything but not a health insurance!!!
Please choose an another one!
Since 2022 we are by helsana, the worst insurance company what I ever met. Till August 2023 was everything ok. Then it's happened, that emergency they needed to remove one of my back tooth. I payed on the place. Sent the invoice, they were not even reacting on it. Then I had a skin reaction for something, till today I did not find out the reason. Went to my house doctor. I'm getting an invoice, please do not pay it! Ok. Months later I'm getting from helsana a Mahnung, that I was not paying. When I called them, the worker from them she said, that I need to pay by myself, because I have 2500 franchise and 700 Selbstbehalt.... We told her, that this she was explaining differently. And why they not pay the emergency, the answer was, because I don't have a teeth insurance. After this because, probably an allergy, I got emergency an infusion, this I also got in an invoice, of course, months later with a Mahnung. So basically, I need to pay 400/ month for nothing, and by it I have to pay all my medical expenses too. The cancellation they are not accepting, even that we can cancel straight, if they going up with the price!!! They confusing everyone, they sending the invoices 1000 times with a differently date, differently amount, double, and so on...... Ah. No!
Then we agreed with helsana, that all our open invoices we pay out till end 2025, and we leave. Now they started to send betreibungs, and again, the separate all invoices to put more costs on.....
Please don't go to helsana!!!

I was quite satisfied until about mid 2024. From that point onwards, HELSANA does nothing but create obstacles and slow any reimbursement. I am awaiting thousands in reimbursements. They bombarde me with forms to fill and find impossible conditions to reconsider reimbursing costs. They will reimburse charges for years and suddenly claim those charges are no longer covered. This has the feel of an American insurance scam, where the company exists only to reimburse as little as possible. What a nightmare.

I tried to move to Helsana from CSS in 2023. Filled all the papers, got the proposal in November.
Suddenly I released that I skipped the date to move away from CSS, so I was forced to stay with them for another year.
Despite this fact, Helsana sent me a 10k bill in January and told me that my request was a legally binding one (I never signed anything!), and that I must pay those money to them. I said No, and I was ready to go to Police, but hopefully they pushed back.

So be careful, read the small text, clearly communicate that your request for information is not legally binding until you sign the policy!

Total lack of respect. I scheduled an online call two weeks in advance, and after waiting for an hour, no one showed up. Very unprofessional.

I cancelled my family's insurance with Helsana in April 2024. A few weeks later I received a card in the post for complementary insurance for my son, which I never requested. I sent several emails asking what was going on and requesting that it be cancelled. I got no reply but the money was deducted from my bank account each month, presumably using the authorisation I gave when I was still a client. Eventually in August the company confirmed the insurance had been cancelled and I was reimbursed. But then in September I received invoices for July and September, and in October I received an invoice for June. Despite numerous emails, the issue has still not been resolved. It's been an incredibly infuriating and opaque process and I do not recommend using Helsana.

Always professional, after bad experience with assura, Helsana for me is a 5 star insurance company.

Very bad customer service, very expensive service, little to no understanding of customer needs, little to no help from Helsana. Swiss system really suffers from bad health insurance companies, and Helsana is the worst I've come across.

Never write reviews and was specifically looking for peoples views on Legal insurance. Felt the need to defend the team that has helped me with the health insurance as they have been nothing but accommodating, flexible and quick to respond. Have been with them for 4 years. No issues at all.

I am writing to urgently warn you about Helsana Insurance. My recent experience with the company reveals one of the most disgusting encounters, raising serious concerns about their illegitimate practices and potential blackmailing of clients.

Despite canceling my insurance with them, I have repeatedly received threatening letters from Helsana Insurance Company Ltd, falsely claiming an outstanding amount.

Furthermore, the company disguises itself as "Helsana Insurance Company Ltd, collection services," falsely posing as an official authority. They have consistently ignored all my emails and letters. Despite providing evidence of canceled travel insurance, they persist in demanding payment, indicating illegal actions. It appears that Helsana Insurance is managed and owned by individuals with criminal intent.

Exercise extreme caution and avoid any dealings with Helsana, given their unlawful practices and apparent ties to illicit activities.