Home Supplementary insurance at a glance Atupri Spital Spital Opti 1 vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared Atupri Spital Spital Opti 1 vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and Helsana HOSPITAL Halbprivat Halbprivat in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 1 is better on 0 features, Helsana HOSPITAL Halbprivat Halbprivat on 2; both are equal on 6.
Hospital
Feature
Atupri Spital Spital Opti 1
Helsana HOSPITAL Halbprivat Halbprivat
Result Free hospital choice across Switzerland
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable Ward choice at admission
Yes Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Cost share semi-private (percent)
40% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Cost share private (percent)
50% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Maximum cost share per year
CHF 8’000 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Coverage in non-listed hospitals
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 Not covered Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 equal Psychiatric clinic: maximum days
90 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 90 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 equal Rooming-in (per day)
CHF 50 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better Ward
General, semi-private or private ward of the insured's choice, with corresponding cost share. Source: ZVB Spital, Ausgabe 1.1.2022, 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 Acute hospital: maximum days
No verified information Unlimited Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Hospital” compared
Maternity
Feature
Atupri Spital Spital Opti 1
Helsana HOSPITAL Halbprivat Halbprivat
Result Newborns without health check
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable Waiting period in months
No verified information 12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable Home birth
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 not comparable Birth centre
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Spital Spital Opti 1
Helsana HOSPITAL Halbprivat Halbprivat
Result Emergency cover cap
CHF 40’000 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 CHF 1’500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better
All products in “Travel abroad” compared
Contract terms
Feature
Atupri Spital Spital Opti 1
Helsana HOSPITAL Halbprivat Halbprivat
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Maximum entry age
70 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Family discount
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 No verified information not comparable Premium and age
Premium is based on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70 is reached. Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable Notable exclusions
Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year. Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable Other notable benefits
Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance. Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.