Home Supplementary insurance at a glance Helsana COMPLETA vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared Helsana COMPLETA vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Helsana COMPLETA and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 2 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA is better on 1 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 2.
Travel abroad
Feature
Helsana COMPLETA
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Worldwide validity
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal
All products in “Travel abroad” compared
Contract terms
Feature
Helsana COMPLETA
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Minimum contract duration in years
1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 Helsana COMPLETA better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 No verified information not comparable 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-old Source: 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 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 not comparable Other notable benefits
No verified information Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private ward Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.