Helsana HOSPITAL ECO Allgemein vs. ÖKK ÖKK START: benefits compared
Direct comparison of Helsana HOSPITAL ECO Allgemein and ÖKK ÖKK START in 3 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL ECO Allgemein is better on 0 features, ÖKK ÖKK START on 1; both are equal on 1.
- Helsana HOSPITAL ECO Allgemein
- ÖKK ÖKK START
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Hospital
| Feature | Helsana HOSPITAL ECO Allgemein | ÖKK ÖKK START | 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 | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | not comparable |
| Psychiatric clinic: maximum days | No verified information | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | not comparable |
Home help
| Feature | Helsana HOSPITAL ECO Allgemein | ÖKK ÖKK START | Result |
|---|---|---|---|
| Daily cap | CHF 30Source: ZVB HOSPITAL ECO, Ausgabe 2016, edition 2027, p. 2 | CHF 40Source: AVB ÖKK START 2026, edition 2027, p. 4 | ÖKK ÖKK START better |
| Maximum number of days | 30Source: ZVB HOSPITAL ECO, Ausgabe 2016, edition 2027, p. 2 | No verified information | not comparable |
| Annual cap | No verified information | CHF 400Source: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Helsana HOSPITAL ECO Allgemein | ÖKK ÖKK START | 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 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| 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 |
| Family discount | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | not comparable |
| Accident cover included | No verified information | YesSource: 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 coverageSource: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.