Home Supplementary insurance at a glance Helsana HOSPITAL FLEX Flex 1 vs. SWICA Hospita Hospita Allgemein: benefits compared Helsana HOSPITAL FLEX Flex 1 vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of Helsana HOSPITAL FLEX Flex 1 and SWICA Hospita Hospita Allgemein in 5 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL FLEX Flex 1 is better on 0 features, SWICA Hospita Hospita Allgemein on 4; both are equal on 5.
Hospital
Feature
Helsana HOSPITAL FLEX Flex 1
SWICA Hospita Hospita Allgemein
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 Yes Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 equal Ward choice at admission
Yes Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 No verified information not comparable 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 No verified information not comparable 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 ward of SWICA-recognised hospitals in Switzerland and Liechtenstein Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 not comparable Acute hospital: maximum days
No verified information Unlimited Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Cures and recovery
Feature
Helsana HOSPITAL FLEX Flex 1
SWICA Hospita Hospita Allgemein
Result Spa cure (per day)
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 CHF 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Allgemein better Recovery stay (per day)
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 CHF 15 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Allgemein better Maximum cure days per year
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Allgemein 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
Home help
Feature
Helsana HOSPITAL FLEX Flex 1
SWICA Hospita Hospita Allgemein
Result Daily cap
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 No verified information not comparable Maximum number of days
Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 60 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Allgemein better Home nursing (per day)
No verified information CHF 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 not comparable
All products in “Home help” compared
Contract terms
Feature
Helsana HOSPITAL FLEX Flex 1
SWICA Hospita Hospita Allgemein
Result Minimum contract duration in years
1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal 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: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 Yes Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Upgrade without a health check
No verified information Not covered Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 not comparable Premium and age
No verified information Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 not comparable Notable exclusions
No verified information Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton care Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable Other notable benefits
No verified information Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year) Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.