Assura Medna vs. Helsana SANA: benefits compared
Direct comparison of Assura Medna and Helsana SANA in 3 categories. All values come from the policy terms and are backed by their source.
Assura Medna is better on 0 features, Helsana SANA on 1; both are equal on 3.
- Assura Medna
- Helsana SANA
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Alternative medicine
| Feature | Assura Medna | Helsana SANA | Result |
|---|---|---|---|
| Maximum per session | CHF 80Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Natural remedies (percent) | 80%Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Natural remedies: annual cap | CHF 2’000Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Coverage (percent) | No verified information | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | Assura Medna | Helsana SANA | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | equal |
Contract terms
| Feature | Assura Medna | Helsana SANA | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | Helsana SANA better |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Premium and age | Premium is set by age at contract conclusion; children 0-18 move to the next age band at 19, young adults 19-25 at 26, and that band is then final.Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | not comparable |
| Notable exclusions | Pre-existing conditions, accidents before application, palliative treatment, overweight and maternity costs are excluded; rehabilitation and, within Art. 2.2 therapies, mental illness are covered.Source: BVB Medna (07.2015), edition 2027, p. 1 | Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.