Does health insurance pay for household help?

Atupri

Haushalt-Taggeld

• CHF 10 to CHF 100 a day, depending on your cover

According to Atupri, for anyone running a household who is not in permanent employment. Medically certified incapacity for work of 50 % or more, waiting period 7, 14, 21 or 30 days. Up to CHF 50 a day no proof of cost; above that institutions count, other people only with lost earnings. Maternity: 21 days if insured for at least 365 days.

CONCORDIA

DIVERSA

• DIVERSA, care: CHF 30 a day, at most 30 days a year
• plus, premium: CHF 50 a day, at most 30 days a year

Medical prescription, full incapacity for work and family circumstances. Besides professionals on their own account, «eine andere Person» (another person) also counts if the costs are shown. The maternity page is narrower: an organisation or a «Privatperson, die auf Rechnung tätig ist» (a private person working on invoice), and 1 year of insurance before the birth.

CONCORDIA

Spitalversicherung

• ALLGEMEIN, LIBERO: CHF 30 a day, at most 30 days a year
• HALBPRIVAT: CHF 50 a day, at most 30 days a year
• PRIVAT: CHF 70 a day, at most 30 days a year

Same conditions as DIVERSA, including the narrower maternity page. Only costs DIVERSA does not cover, and not at the same time as other benefits of the hospital insurance.

CSS

Ambulantversicherung myFlex

• Balance: CHF 50 a day, at most CHF 2'000 a year
• Premium: CHF 100 a day, at most CHF 4'000 a year

Economy level: no household help. Medical prescription and full inability to run the household. After a birth 21 days without a prescription. The annual amount is shared with care at home.

Groupe Mutuel

Global smart

• Level 1, 2: 50 % of the costs, at most CHF 1'500 a year
• Level 3: 90 % of the costs, at most CHF 2'500 a year

Medically necessary, get approval in advance. Deep cleaning excluded. The product also applies to maternity, there after 12 months of insurance.

Helsana

Hospital Eco

• CHF 30 a day, at most 30 days a year

Medical prescription, 100 % unable to work, and a hospital or spa stay is avoided or shortened. Birth: according to the brochure after an inpatient hospital birth, 365 days waiting period. It names an outpatient birth only for a PRIMEO contract hospital and states no separate amount: ask.

Helsana

Hospital Flex

• CHF 50 a day, at most 30 days a year

Only with the FLEX add-on module. Medical certificate, acute illness and family circumstances; not in a nursing home. Birth as for Hospital Eco.

Helsana

Hospital Halbprivat, Privat

• Halbprivat: CHF 100 a day, at most 30 days a year
• Privat: CHF 200 a day, at most 30 days a year

Medical prescription, 100 % unable to work, and only if an acute hospital or spa stay is avoided or shortened. Birth: same benefits as for illness if maternity is included, 365 days waiting period; according to the brochure after an inpatient hospital birth.

KPT

Spitalkosten Flex Top

• after a hospital birth: CHF 50 a day, at most 5 days a year

Medically prescribed, directly after hospital or an outpatient procedure. Detailed invoice with a calendar. Birth: after an inpatient birth in a recognised facility, after the waiting period. Relatives only with lost earnings.

ÖKK

ELTERN, START

• ELTERN, after a hospital birth: CHF 60 a day, at most CHF 600 a year
• ELTERN, after a home or outpatient birth: CHF 60 a day, at most CHF 840 a year
• START: CHF 40 a day, at most CHF 400 a year

Medical prescription; apart from a birth, directly after the hospital. ELTERN in addition to START, with a 360 days waiting period. Household help means someone working commercially or for a recognised organisation, relatives only with lost earnings.

Sanitas

Hospital Extra Liberty, Top Liberty

• Extra: CHF 25 an hour, at most CHF 750 a year
• Top: CHF 25 an hour, at most CHF 1'500 a year

Medical prescription, directly after hospital or if a hospital stay is avoided. Person outside the household, invoice with a calendar. Birth: at most 14 days within one month.

Sanitas

Hospital Standard Liberty

• CHF 10 a day, at most 90 days a year, at most CHF 1'800 a year

Medical prescription, directly after hospital, for the person running the household. Person outside the household, invoice with a calendar. Birth: 14 days within one month. Annual amount shared with nursing care.

Sympany

hospita

• allgemein, after a hospital birth: CHF 40 a day, at most CHF 560 a year
• allgemein, after a home or outpatient birth: CHF 60 a day, at most CHF 840 a year
• flex, halbprivat, after a hospital birth: CHF 70 a day, at most CHF 980 a year
• flex, halbprivat, after a home or outpatient birth: CHF 105 a day, at most CHF 1'470 a year
• privat, after a hospital birth: CHF 90 a day, at most CHF 1'260 a year
• privat, after a home or outpatient birth: CHF 135 a day, at most CHF 1'890 a year
• global, after a hospital birth: CHF 110 a day, at most CHF 1'540 a year
• global, after a home or outpatient birth: CHF 165 a day, at most CHF 2'310 a year

Prescription: if a hospital stay is avoided or shortened. Household help means someone working commercially on their own account or for a recognised Spitex organisation, relatives only with lost earnings or travel costs. After a birth: medically prescribed, staff recognised by the insurer, relatives only with lost earnings.