Home Supplementary insurance at a glance Helsana COMPLETA vs. ÖKK ÖKK START: benefits compared Helsana COMPLETA vs. ÖKK ÖKK START: benefits compared
Direct comparison of Helsana COMPLETA and ÖKK ÖKK START in 4 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA is better on 3 features, ÖKK ÖKK START on 0; both are equal on 3.
Medicines and medical aids
Feature
Helsana COMPLETA
ÖKK ÖKK START
Result Medicines outside the SL (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 90% Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medical aids (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 50% Source: AVB ÖKK START 2026, edition 2027, p. 3 Helsana COMPLETA better Medical aids: annual cap
CHF 1’500 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 Helsana COMPLETA better Hearing aids: cap
CHF 1’500 Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 No verified information not comparable Medicines outside the SL: maximum
No verified information CHF 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 not comparable
All products in “Medicines and medical aids” compared
Dental care
Feature
Helsana COMPLETA
ÖKK ÖKK START
Result Orthodontics for children
Yes Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 No verified information not comparable Orthodontics: maximum amount
CHF 10’000 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 No verified information not comparable Orthodontics up to age
20 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 No verified information not comparable Wisdom teeth removal
Yes Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 equal Benefits up to age
No verified information 25 Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable Dental treatment abroad
No verified information Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Dental care” compared
Contract terms
Feature
Helsana COMPLETA
ÖKK ÖKK START
Result Minimum contract duration in years
1 Source: 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 months Source: 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
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Yes Source: 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-old Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 No verified information not comparable Family discount
No verified information Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 not comparable Accident cover included
No verified information Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 not comparable Other notable benefits
No verified information Thermal bath 50% up to 12 entries per year; public transport costs 90% up to CHF 100 per year for treatments far from home; inpatient rehabilitation up to 60 days per year at full cost coverage Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.