Home Supplementary insurance at a glance Helsana HOSPITAL FLEX Flex 2 vs. SWICA Hospita Hospita Privat: benefits compared Helsana HOSPITAL FLEX Flex 2 vs. SWICA Hospita Hospita Privat: benefits compared
Direct comparison of Helsana HOSPITAL FLEX Flex 2 and SWICA Hospita Hospita Privat in 5 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL FLEX Flex 2 is better on 1 features, SWICA Hospita Hospita Privat on 3; both are equal on 5.
Hospital
Feature
Helsana HOSPITAL FLEX Flex 2
SWICA Hospita Hospita Privat
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)
20% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 No verified information not comparable Cost share private (percent)
35% 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. 2 720 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 SWICA Hospita Hospita Privat better Rooming-in (per day)
CHF 100 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CHF 50 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 Helsana HOSPITAL FLEX Flex 2 better Ward
Ward chosen case by case: general, semi-private or private ward throughout Switzerland Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 Private 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 2
SWICA Hospita Hospita Privat
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 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Privat 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 2
SWICA Hospita Hospita Privat
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 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; without tariff contract only maximum tariff is paid, patient bears the difference 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), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 5 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.