Home Supplementary insurance at a glance Atupri Spital Spital Opti 2 vs. Helsana HOSPITAL Privat Privat: benefits compared Atupri Spital Spital Opti 2 vs. Helsana HOSPITAL Privat Privat: benefits compared
Direct comparison of Atupri Spital Spital Opti 2 and Helsana HOSPITAL Privat Privat in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 2 is better on 0 features, Helsana HOSPITAL Privat Privat on 4; both are equal on 5.
Hospital
Feature
Atupri Spital Spital Opti 2
Helsana HOSPITAL Privat Privat
Result Free hospital choice across Switzerland
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better 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)
20% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Cost share private (percent)
30% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Maximum cost share per year
CHF 4’000 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. 2 180 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 Helsana HOSPITAL Privat Privat better Rooming-in (per day)
CHF 50 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat 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
All products in “Hospital” compared
Maternity
Feature
Atupri Spital Spital Opti 2
Helsana HOSPITAL Privat Privat
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. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Spital Spital Opti 2
Helsana HOSPITAL Privat Privat
Result 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 Unlimited Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better
All products in “Travel abroad” compared
Contract terms
Feature
Atupri Spital Spital Opti 2
Helsana HOSPITAL Privat Privat
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 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.