Home Supplementary insurance at a glance Helsana HOSPITAL ECO Allgemein vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared Helsana HOSPITAL ECO Allgemein vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Helsana HOSPITAL ECO Allgemein and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 4 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL ECO Allgemein is better on 2 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 3.
Hospital
Feature
Helsana HOSPITAL ECO Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Cost share (percent)
0% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 35% Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 Helsana HOSPITAL ECO Allgemein better Free hospital choice across Switzerland
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable Ward choice at admission
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable Psychiatric clinic: maximum days
No verified information 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable Ward
No verified information General or semi-private ward in Switzerland, with cost share Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable
All products in “Hospital” compared
Maternity
Feature
Helsana HOSPITAL ECO Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Waiting period in months
12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 equal Birth centre
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Helsana HOSPITAL ECO Allgemein
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 HOSPITAL ECO Allgemein
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 HOSPITAL ECO Allgemein 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 in 5-year age bands up to 91+; over 65 max 3x the premium of a 30-year-old, over 70 max 4x. 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.