Choosing Between Helsana and CSS? We Help You Find What's Right for You.
Making the Right Choice Isn't Easy
Choosing between Helsana and CSS isn't simple. Prices, benefits, and acceptance rules differ — and what's best for one person may not be for another.
We've helped hundreds of expats find which insurer fits their lifestyle, budget, and long-term plans.
Here's how they compare — and why personal advice matters more than price.
Before deciding, let's look at the essentials side-by-side.
Helsana vs CSS — At a Glance
Both are reputable insurers. The better choice depends on your profile, canton, and coverage goals.
| Category | Helsana | CSS |
|---|---|---|
| Founded | 1899 | 1899 |
| Headquarters | Dübendorf | Lucerne |
| Clients | ~2.2M | ~1.8M |
| Languages | DE, FR, IT, EN | DE, FR, IT, EN |
| Strengths | Helsana+ app, fast reimbursements, broad family coverage | 2nd largest insurer, competitive premiums, strong regional presence |
| Limitations | Regionally high premiums, strict supplementary | English support varies by region |
| Supplementary Plans | Completa, Sana, Top, Primeo | myFlex, Compact, Hospital Plus |
| Premium Trend 2026 | +5.2% | +5.5% |
| Ideal for | Families, professionals, wellness-oriented | Budget-conscious families, value seekers |
| English Support | ✅ Good (hotline) | ✅ Available (varies) |
Numbers only tell part of the story — what really matters is how each insurer fits you.
Which Insurer Is Right for Your Situation?
There's no single "best" insurer — it depends on who you are, how long you'll stay, what lifestyle you live, and how you want to be covered.
That's why we review every client's situation individually before recommending Swica, Helsana, or another provider.
Choose your situation
Every situation needs a different insurance approach.
Here's how we guide you depending on your case:
🏠 New in Switzerland
You need to register for Swiss health insurance within 90 days — but what's best depends on how long you'll stay.
Swica offers flexible models if you're unsure about your duration, while Helsana provides strong family coverage and digital support for long-term residents.
We'll help you balance setup simplicity with future flexibility, so your first plan fits your real life in Switzerland.
We'll help you evaluate all this based on your age, plans, and lifestyle.
These examples show why a tailored review always beats a generic online calculator.
Every factor — age, canton, stay duration, health history, and lifestyle — affects what's truly right for you.
That's what our free consultation is for — we analyze your full picture and find the insurer that fits.
Our consultation goes beyond comparing prices — we analyze your profile, age, canton, and health situation to recommend the optimal insurer and plan combination.
Every year, we analyze the real differences for hundreds of expats — here's what our expert says.
Independent Expert Perspective
Every day, we benchmark Helsana, CSS, Swica, and Sanitas — evaluating real claim experiences, acceptance criteria, and pricing logic for expats. Our goal: to make sure you choose an insurer that fits your real life in Switzerland — your plans, your health, and your peace of mind.
With over a decade of experience comparing insurers daily, we know exactly where the differences matter — in service behavior, long-term premium structure, and how flexible each provider truly is when your situation changes.
"Health insurance is the only investment we hope to never see a return on — because true value lies in the peace of mind that we're protected when it matters most."
Robert Kolar
FINMA-certified Insurance Broker
"We analyze Helsana, CSS, Swica, and Sanitas daily — not from marketing materials, but from real expat experiences. The best insurer isn't always the cheapest — it's the one that stands by you when life gets unpredictable."
Every consultation follows the same transparent process.
How It Works
Understand exactly what happens when you book a consultation.
30–60 min consultation
We listen to your goals, canton, and health situation.
We send both quotes
Swica & Helsana + side-by-side comparison.
Personal recommendation
You decide with confidence.
We set up everything
Forms, submission, and yearly updates.
Completely free — we're paid equally by either insurer, never by the client.
You don't just get quotes — you get clarity, protection, and long-term support.
What We Help You Solve
Truly independent advice
We're licensed, neutral, and only focused on what's best for you.
Personalized assessment
Age, canton, and health all matter; we factor in every detail before recommending.
Pre-check for pre-existing conditions
Avoid rejection by applying with the right insurer from the start.
Exclusive broker group discounts
Access lower rates and benefits not available when applying directly.
Continuous yearly check-ups
We monitor new premiums and help you switch easily if a better deal appears.
Always reachable
English-speaking support, even outside regular office hours.
*Free, independent, and fully compliant with Swiss FINMA regulations.
Every year, hundreds of expats rely on our independent comparisons — here's what they say.
What Our Clients Say
★★★★★ Rated 4.9 / 5 by expats across Switzerland
Real experiences from people who got independent insurance advice.
"Robert was an excellent assistant. He introduced me to the complex health system in Switzerland and made sure I took the best decision, providing information and answering all my questions."
German Barquero
Google Review
"I had great experience with expat-savvy, receiving very helpful, professional advice tailored to my personal situation. Robert has demonstrated his in-depth knowledge of the field."
Rebeka Johnson
Google Review
"Robert's advice was very helpful in choosing the right health insurance package and getting over the hurdles of pre-existing conditions. He found me a much better deal."
Martin Walsh
Google Review
That's why every good decision starts with a short consultation — no guessing, just clarity.
Find Out Which Insurer Fits You Best
Get independent, FINMA-certified advice — completely free and in English.
Fully independent — no sales pressure, just clarity and honest guidance.