Home Supplementary insurance at a glance Helsana HOSPITAL FLEX Flex 1 vs. ÖKK ÖKK SPITAL SPITAL FLEX: benefits compared Helsana HOSPITAL FLEX Flex 1 vs. ÖKK ÖKK SPITAL SPITAL FLEX: benefits compared
Direct comparison of Helsana HOSPITAL FLEX Flex 1 and ÖKK ÖKK SPITAL SPITAL FLEX in 5 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL FLEX Flex 1 is better on 1 features, ÖKK ÖKK SPITAL SPITAL FLEX on 2; both are equal on 4.
Hospital
Feature
Helsana HOSPITAL FLEX Flex 1
ÖKK ÖKK SPITAL SPITAL FLEX
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Ward choice at admission
Yes Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 equal Cost share semi-private (percent)
35% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Cost share private (percent)
50% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Psychiatric clinic: maximum days
60 Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 ÖKK ÖKK SPITAL SPITAL FLEX better Rooming-in (per day)
CHF 50 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Ward
Ward chosen case by case: general, semi-private or private ward throughout Switzerland Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 General, semi-private or 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 Maximum cost share per year
No verified information CHF 1’500 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Maternity
Feature
Helsana HOSPITAL FLEX Flex 1
ÖKK ÖKK SPITAL SPITAL FLEX
Result Waiting period in months
12 months Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 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 FLEX Flex 1
ÖKK ÖKK SPITAL SPITAL FLEX
Result Emergency cover cap
CHF 500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Planned treatment abroad
CHF 500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Worldwide validity
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
Helsana HOSPITAL FLEX Flex 1
ÖKK ÖKK SPITAL SPITAL FLEX
Result Spa cure (per day)
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 No verified information not comparable Recovery stay (per day)
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 No verified information not comparable Maximum cure days per year
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 ÖKK ÖKK SPITAL SPITAL FLEX better Transitional care after hospital
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2 No verified information not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
Helsana HOSPITAL FLEX Flex 1
ÖKK ÖKK SPITAL SPITAL FLEX
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 FLEX Flex 1 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 Suspension possible
No verified information Yes Source: 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.