Helsana COMPLETA PLUS vs. SWICA Optima: benefits compared

Direct comparison of Helsana COMPLETA PLUS and SWICA Optima in 4 categories. All values come from the policy terms and are backed by their source.

Helsana COMPLETA PLUS is better on 1 features, SWICA Optima on 1; both are equal on 3.

Alternative medicine

Feature	Helsana COMPLETA PLUS	SWICA Optima	Result
Annual cap	CHF 500Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	No verified information	not comparable
Therapist requirements	No verified information	Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3	not comparable

All products in “Alternative medicine” compared

Glasses and contact lenses

Feature	Helsana COMPLETA PLUS	SWICA Optima	Result
Contribution for adults	CHF 200Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	CHF 300Source: ZB Optima (VVG), edition 2027, p. 5	SWICA Optima better
Period for adults in months	12 monthsSource: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	36 monthsSource: ZB Optima (VVG), edition 2027, p. 5	Helsana COMPLETA PLUS better
Laser eye surgery	CHF 500Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	No verified information	not comparable

All products in “Glasses and contact lenses” compared

Prevention

Feature	Helsana COMPLETA PLUS	SWICA Optima	Result
Vaccinations (percent)	90%Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	equal
Coverage (percent)	No verified information	90%Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Annual cap	No verified information	CHF 300Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Health check-up	No verified information	UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4	not comparable
Gynaecological screening (percent)	No verified information	90%Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Prevention” compared

Contract terms

Feature	Helsana COMPLETA PLUS	SWICA Optima	Result
Minimum contract duration in years	1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Insurer does not cancel after a claim	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	No verified information	not comparable
Suspension possible	YesSource: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	No verified information	not comparable
Accident cover included	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	No verified information	not comparable
Prerequisite	Requires the COMPLETA supplementary insurance; COMPLETA PLUS lapses automatically when COMPLETA ends.Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	No verified information	not comparable
Premium and age	Premiums by 5-year age groups up to 91+; premiums for over-65s max 3x and over-70s max 4x the premium of a 30-year-old.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3	No verified information	not comparable
Notable exclusions	Pre-existing illnesses and accidents, cosmetic treatments and dental treatments (unless explicitly covered) are excluded; no benefits for treatments begun before insurance start.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4	Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Other notable benefits	No verified information	Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.