Helsana HOSPITAL FLEX Flex 1 vs. SWICA Hospita Hospita Halbprivat: benefits compared

Direct comparison of Helsana HOSPITAL FLEX Flex 1 and SWICA Hospita Hospita Halbprivat 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 Halbprivat on 3; both are equal on 6.

Hospital

Feature	Helsana HOSPITAL FLEX Flex 1	SWICA Hospita Hospita Halbprivat	Result
Free hospital choice across Switzerland	YesSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	equal
Ward choice at admission	YesSource: 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	60Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2	720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	SWICA Hospita Hospita Halbprivat better
Rooming-in (per day)	CHF 50Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	equal
Ward	Ward chosen case by case: general, semi-private or private ward throughout SwitzerlandSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2	Semi-private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	not comparable
Acute hospital: maximum days	No verified information	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable

All products in “Hospital” compared

Maternity

Feature	Helsana HOSPITAL FLEX Flex 1	SWICA Hospita Hospita Halbprivat	Result
Waiting period in months	12 monthsSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1	12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	equal

All products in “Maternity” compared

Cures and recovery

Feature	Helsana HOSPITAL FLEX Flex 1	SWICA Hospita Hospita Halbprivat	Result
Spa cure (per day)	Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3	No verified information	not comparable
Recovery stay (per day)	Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3	No verified information	not comparable
Maximum cure days per year	Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3	30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	SWICA Hospita Hospita Halbprivat better
Transitional care after hospital	Not coveredSource: 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 Halbprivat	Result
Daily cap	Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3	No verified information	not comparable
Maximum number of days	Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3	60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	SWICA Hospita Hospita Halbprivat better

All products in “Home help” compared

Contract terms

Feature	Helsana HOSPITAL FLEX Flex 1	SWICA Hospita Hospita Halbprivat	Result
Minimum contract duration in years	1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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	YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
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 50Source: 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; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable
Other notable benefits	No verified information	Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 3Source: 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.