Helsana COMPLETA vs. SWICA Completa Forte: benefits compared

Direct comparison of Helsana COMPLETA and SWICA Completa Forte in 6 categories. All values come from the policy terms and are backed by their source.

Helsana COMPLETA is better on 3 features, SWICA Completa Forte on 2; both are equal on 3.

Outpatient

Feature	Helsana COMPLETA	SWICA Completa Forte	Result
Sterilisation	CHF 4’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 5	Helsana COMPLETA better
Ear correction for children	No verified information	CHF 1’500Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

Feature	Helsana COMPLETA	SWICA Completa Forte	Result
Coverage (percent)	75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	90%Source: ZB Completa Forte (VVG), edition 2027, p. 4	SWICA Completa Forte better
Maximum per session	No verified information	CHF 120Source: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable
Therapist requirements	No verified information	Treatment must be by a doctor or therapist recognised by SWICA; SWICA keeps lists of recognised methods and practitionersSource: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable

Feature	Helsana COMPLETA	SWICA Completa Forte	Result
Medicines outside the SL (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1	No verified information	not comparable
Medical aids (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	equal
Medical aids: annual cap	CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 6	Helsana COMPLETA better
Hearing aids: cap	CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11	No verified information	not comparable

Feature	Helsana COMPLETA	SWICA Completa Forte	Result
Orthodontics for children	YesSource: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	No verified information	not comparable
Orthodontics: maximum amount	CHF 10’000Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	No verified information	not comparable
Orthodontics up to age	20Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	25Source: ZB Completa Forte (VVG), edition 2027, p. 6	SWICA Completa Forte better
Wisdom teeth removal	YesSource: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11	No verified information	not comparable
Coverage (percent)	No verified information	50%Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Annual cap	No verified information	CHF 100Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Dental treatment abroad	No verified information	YesSource: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

Feature	Helsana COMPLETA	SWICA Completa Forte	Result
Coverage (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	equal
Annual cap	CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 6	Helsana COMPLETA better
Vaccinations (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	No verified information	not comparable

Feature	Helsana COMPLETA	SWICA Completa Forte	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	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
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
Upgrade without a health check	No verified information	Not coveredSource: ZB Completa Forte (VVG), edition 2027, p. 8	not comparable

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