Helsana HOSPITAL FLEX Flex 2 vs. SWICA Vivia: benefits compared

Direct comparison of Helsana HOSPITAL FLEX Flex 2 and SWICA Vivia in 2 categories. All values come from the policy terms and are backed by their source.

Helsana HOSPITAL FLEX Flex 2 is better on 0 features, SWICA Vivia on 0; both are equal on 2.

Maternity

Feature	Helsana HOSPITAL FLEX Flex 2	SWICA Vivia	Result
Waiting period in months	12 monthsSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1	12 monthsSource: ZB Vivia (VVG), Ausgabe 2027, edition 2027, p. 7	equal

All products in “Maternity” compared

Contract terms

Feature	Helsana HOSPITAL FLEX Flex 2	SWICA Vivia	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	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	No verified information	not comparable
Accident cover included	No verified information	YesSource: ZB Vivia (VVG), Ausgabe 2027, edition 2027, p. 4	not comparable
Premium and age	No verified information	Age-based (Lebensalter) tariff; age groups 19–25, 26–30, then five-year steps up to 71+Source: ZB Vivia (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable

All products in “Contract terms” compared

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