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    KLuG

    A little smart insurance is KLuG  which goes different ways in the discount system of the basic insurance . Instead of providing premium reductions on home doctors  or telephone consultation –models  KLuG rewards the choice of higher franchises.Above average 50 % saving potential  are among the offers provided to the customers. The premiums of the supplementary insuances are also reduced for 35% when the risk deductible  and the personal responibility increase .


    Advantages of KLuG
    An alternative discount system for savers with own responsibility. As member of Klug you enjoy a discount for new customers when ordering medicaments by mail and you also benefit from the cheap prices.

    Noteworthy information
    Former company health insurance of Landis & Gyr puts the subsidiary company of Helsana on higher optional deductible on its own basic insurance system with massive discounts. In the case of supplementary insurances there are also above average discounts.

    Member health insurances

    Calculate KLuG premiums & order direct offers:

    The offer is going to be sent by email within minutes.

    Model ?
    Traditional
    Standard components of obligatory healthcare insurance. Same components for all health insurance bureaus, with free selection.

    House doctor model
    5-20% premium advantage / in the event of illness you must always begin by consulting your house doctor (except in an emergency).

    HMO model
    Premium advantage up to 25% / in the event of illness you must always begin by consulting a doctor who is practicing in an HMO Centre (unless in an emergency).

    Telmed model
    Premium avantage up to 15% / you must make a telephone call to the helpdesk prior to every doctor's visit - you will be offered advice and possible hints regarding medical treatment or regarding the doctor who should be consulted. This excludes emergencies etc.
    Year of birth Deductible rate ?
    Our franchise is recognised as an excess amount which the insured party must carry itself as part of occurrent costs in connection with doctors, hospital treatment or medicaments. Selecting a higher franchise will allow the insured party to benefit from generous premium rebates. The maximum premium rebate for children is 420 CHF / year; for adults it's about 1,540 CHF / year.
    		 Accident coverage ?
    Mandatory for:
    • Unemployed children and youth.
    • Unemployed adults and who do not receive unemployment daily allowance.
    Not necessary for:
    • People who are employed at least 8 hours a week (the employer must ensure them against accidents).
    • Unemployed people with unemployed daily allowance are insured against accidents by SUVA.
    1. person yes no
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    VN:F [1.9.7_1111]
    Friendliness
    Competence
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    General satisfaction
    Rating: 3.7/5 (2 votes cast)

    Details concerning KLuG

    Number of insured: 19'228
    Field of activity: all Switzerland
    BAG-Nr.: 829
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