Helsana COMPLETA vs. SWICA Optima: benefits compared

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

Helsana COMPLETA is better on 3 features, SWICA Optima on 1; both are equal on 5.

Outpatient

Feature	Helsana COMPLETA	SWICA Optima	Result
Sterilisation	CHF 4’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11	CHF 700Source: ZB Optima (VVG), edition 2027, p. 4	Helsana COMPLETA better

All products in “Outpatient” compared

Alternative medicine

Feature	Helsana COMPLETA	SWICA Optima	Result
Coverage (percent)	75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	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

Medicines and medical aids

Feature	Helsana COMPLETA	SWICA Optima	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 Optima (VVG), edition 2027, p. 5	equal
Medical aids: annual cap	CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1	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

All products in “Medicines and medical aids” compared

Prevention

Feature	Helsana COMPLETA	SWICA Optima	Result
Coverage (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Optima (VVG), edition 2027, p. 4	equal
Annual cap	CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	CHF 300Source: ZB Optima (VVG), edition 2027, p. 4	Helsana COMPLETA better
Vaccinations (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Optima (VVG), edition 2027, p. 4	equal
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

Fitness

Feature	Helsana COMPLETA	SWICA Optima	Result
Contribution (percent of cost)	75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better

All products in “Fitness” compared

Contract terms

Feature	Helsana COMPLETA	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
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
Notable exclusions	No verified information	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.