Assura Optima Flex Varia vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared
Direct comparison of Assura Optima Flex Varia and Helsana HOSPITAL Halbprivat Halbprivat 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 Halbprivat Halbprivat on 2; both are equal on 3.
- Assura Optima Flex Varia
- Helsana HOSPITAL Halbprivat Halbprivat
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Hospital
| Feature | Assura Optima Flex Varia | Helsana HOSPITAL Halbprivat Halbprivat | 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 | UnlimitedSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 | equal |
| 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. 3 | not comparable |
| Coverage in non-listed hospitals | No verified information | Not coveredSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 | not comparable |
| Psychiatric clinic: maximum days | No verified information | 90Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 | not comparable |
| Rooming-in (per day) | No verified information | CHF 100Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 | not comparable |
Travel abroad
| Feature | Assura Optima Flex Varia | Helsana HOSPITAL Halbprivat Halbprivat | 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 Halbprivat Halbprivat better |
| Planned treatment abroad | No verified information | CHF 1’500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 | not comparable |
Contract terms
Information only, not advice, no guarantee. The insurers' own documents are authoritative.