Helsana HOSPITAL ECO Allgemein vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared

Direct comparison of Helsana HOSPITAL ECO Allgemein and ÖKK ÖKK SPITAL SPITAL PRIVAT in 4 categories. All values come from the policy terms and are backed by their source.

Helsana HOSPITAL ECO Allgemein is better on 1 features, ÖKK ÖKK SPITAL SPITAL PRIVAT on 0; both are equal on 3.

Hospital

Feature	Helsana HOSPITAL ECO Allgemein	ÖKK ÖKK SPITAL SPITAL PRIVAT	Result
Cost share (percent)	0%Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	No verified information	not comparable
Free hospital choice across Switzerland	No verified information	YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	not comparable
Allowance for staying in a lower ward (per day)	No verified information	CHF 400Source: 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	90Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	not comparable
Ward	No verified information	Private ward in Switzerland (single room)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 PRIVAT	Result
Waiting period in months	12 monthsSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7	equal
Birth centre	No verified information	YesSource: 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 PRIVAT	Result
Worldwide validity	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	YesSource: 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 PRIVAT	Result
Minimum contract duration in years	1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3Source: 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 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, 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 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	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5	not comparable

All products in “Contract terms” compared

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