Helsana COMPLETA vs. ÖKK ÖKK PROTECT: benefits compared
Direct comparison of Helsana COMPLETA and ÖKK ÖKK PROTECT in 3 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA is better on 0 features, ÖKK ÖKK PROTECT on 0; both are equal on 3.
- Helsana COMPLETA
- ÖKK ÖKK PROTECT
- Compare with other products
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Travel abroad
| Feature | Helsana COMPLETA | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | YesSource: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 2 | equal |
Contract terms
| Feature | Helsana COMPLETA | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Premium and age | Premiums by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | No verified information | not comparable |
| Suspension possible | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | not comparable |
| Notable exclusions | No verified information | Legal protection only in connection with health damage; excludes disputes about psychiatric/psychotherapeutic treatment, fees and invoices, ÖKK premium invoices, defence against damage claims, and cases not expressly listed or occurring before the policy started.Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Legal protection
| Feature | Helsana COMPLETA | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Legal protection abroad per case | CHF 50’000Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 7 | CHF 50’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | equal |
| Patient legal protection per case | No verified information | CHF 250’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.