Home Supplementary insurance at a glance Assura Optima Plus Varia vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared Assura Optima Plus Varia vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared
Direct comparison of Assura Optima Plus Varia and Helsana HOSPITAL Halbprivat Halbprivat in 4 categories. All values come from the policy terms and are backed by their source.
Assura Optima Plus Varia is better on 0 features, Helsana HOSPITAL Halbprivat Halbprivat on 3; both are equal on 4.
Hospital
Feature
Assura Optima Plus Varia
Helsana HOSPITAL Halbprivat Halbprivat
Result Free hospital choice across Switzerland
Not covered Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 No verified information not comparable Psychiatric clinic: maximum days
Not covered Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 2 90 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Acute hospital: maximum days
Unlimited Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 Unlimited Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 equal Ward
Private ward (single room) in an institution approved by Assura Source: BVB Optima Plus Varia (07.2015), 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 covered Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 not comparable Rooming-in (per day)
No verified information CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 not comparable
All products in “Hospital” compared
Cures and recovery
Feature
Assura Optima Plus Varia
Helsana HOSPITAL Halbprivat Halbprivat
Result Recovery stay (per day)
Not covered Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 1 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better Spa cure (per day)
No verified information CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 not comparable Maximum cure days per year
No verified information 21 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable Transitional care after hospital
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
Assura Optima Plus Varia
Helsana HOSPITAL Halbprivat Halbprivat
Result Minimum contract duration in years
3 Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Cancellation notice in months
3 months Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Notable exclusions
Excluded: pre-existing conditions, prior accidents, mental illness, palliative care, obesity, maternity; only approved providers (benefits in kind). Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 2 No verified information not comparable Other notable benefits
Special nursing care in hospital up to CHF 1,000 per calendar year; treatment in non-approved institution reimbursed up to CHF 300 per day. Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.