Assura Optima Flex Varia vs. Helsana HOSPITAL ECO Allgemein: benefits compared

Direct comparison of Assura Optima Flex Varia and Helsana HOSPITAL ECO Allgemein in 3 categories. All values come from the policy terms and are backed by their source.

Assura Optima Flex Varia is better on 0 features, Helsana HOSPITAL ECO Allgemein on 2; both are equal on 2.

Hospital

Feature	Assura Optima Flex Varia	Helsana HOSPITAL ECO Allgemein	Result
Free hospital choice across Switzerland	Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2	No verified information	not comparable
Maximum cost share per year	CHF 4’500Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2	No verified information	not comparable
Acute hospital: maximum days	UnlimitedSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 1	No verified information	not comparable
Ward	Insured freely chooses private, semi-private or general ward at each inpatient stay in a recognised facility; cost share varies by ward.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 1	No verified information	not comparable
Cost share (percent)	No verified information	0%Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	not comparable

All products in “Hospital” compared

Travel abroad

Feature	Assura Optima Flex Varia	Helsana HOSPITAL ECO Allgemein	Result
Emergency cover cap	Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2	No verified information	not comparable
Worldwide validity	Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	Helsana HOSPITAL ECO Allgemein better

All products in “Travel abroad” compared

Contract terms

Feature	Assura Optima Flex Varia	Helsana HOSPITAL ECO Allgemein	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 HOSPITAL ECO Allgemein 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
Other notable benefits	Non-recognised provider: treatment costs up to CHF 300/day and board costs up to CHF 200/day reimbursed.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2	No verified information	not comparable
Premium and age	No verified information	Premiums in 5-year age bands up to 91+; over 65 max 3x the premium of a 30-year-old, over 70 max 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.