Helsana HOSPITAL FLEX Flex 1 vs. Visana Spital Flex: benefits compared

Direct comparison of Helsana HOSPITAL FLEX Flex 1 and Visana Spital Flex in 3 categories. All values come from the policy terms and are backed by their source.

Helsana HOSPITAL FLEX Flex 1 is better on 0 features, Visana Spital Flex on 2; both are equal on 1.

Hospital

Feature Helsana HOSPITAL FLEX Flex 1 Visana Spital Flex Result
Free hospital choice across Switzerland YesSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 YesSource: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 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 180Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 Visana Spital Flex better
Rooming-in (per day) CHF 50Source: 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 SwitzerlandSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable
Maximum cost share per year No verified information CHF 4’000Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 2 not comparable

All products in “Hospital” compared

Cures and recovery

Feature Helsana HOSPITAL FLEX Flex 1 Visana Spital Flex 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 CHF 50Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 3 Visana Spital Flex better
Maximum cure days per year Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 No verified information not comparable
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

Contract terms

Feature Helsana HOSPITAL FLEX Flex 1 Visana Spital Flex 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 No verified information not comparable
Accident cover included No verified information YesSource: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 not comparable

All products in “Contract terms” compared

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

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