Assura Optima Varia vs. Helsana HOSPITAL ECO Allgemein: benefits compared
Direct comparison of Assura Optima Varia and Helsana HOSPITAL ECO Allgemein in 3 categories. All values come from the policy terms and are backed by their source.
Assura Optima Varia is better on 0 features, Helsana HOSPITAL ECO Allgemein on 1; both are equal on 3.
- Assura Optima Varia
- Helsana HOSPITAL ECO Allgemein
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Hospital
| Feature | Assura Optima Varia | Helsana HOSPITAL ECO Allgemein | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Acute hospital: maximum days | UnlimitedSource: BVB Optima 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. 2 | not comparable |
Travel abroad
| Feature | Assura Optima Varia | Helsana HOSPITAL ECO Allgemein | Result |
|---|---|---|---|
| Worldwide validity | 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. 1 | equal |
Contract terms
| Feature | Assura Optima 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 |
| Premium and age | Premium varies with effective age, adjusted on 1 January of the year the insured turns 19, 26, 31, 36 ... up to 91.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | 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 |
| Notable exclusions | Pre-existing conditions, prior accidents, psychiatric illness, palliative care, overweight and maternity excluded; only approved facilities with Assura list.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | No verified information | not comparable |
| Other notable benefits | Special nursing care in hospital up to CHF 500 per calendar year.Source: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.