Do not under any circumstances sign up with Helsana! We have been with them for 15 years with no significant claims. Expensive, but customer service very good and all communications are in English....however the very first time I needed them to cover a significant expense 4K for my son's orthodontic work which is covered in his supplementary policy...they ran for the hills, put up the shutters and refused to pay. Absolutely furious....they dug deep to find every loophole and excuse to avoid actually paying something back to me after 15 years. I no longer trust them and am in the process of moving to SWICA.