Home Supplementary insurance at a glance Helsana HOSPITAL Halbprivat Halbprivat vs. KPT Spital-Zusatzversicherung Flex Flex Eco: benefits compared Helsana HOSPITAL Halbprivat Halbprivat vs. KPT Spital-Zusatzversicherung Flex Flex Eco: benefits compared
Direct comparison of Helsana HOSPITAL Halbprivat Halbprivat and KPT Spital-Zusatzversicherung Flex Flex Eco in 4 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL Halbprivat Halbprivat is better on 1 features, KPT Spital-Zusatzversicherung Flex Flex Eco on 0; both are equal on 4.
Hospital
Feature
Helsana HOSPITAL Halbprivat Halbprivat
KPT Spital-Zusatzversicherung Flex Flex Eco
Result Cost share (percent)
0% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 No verified information not comparable Coverage in non-listed hospitals
Not covered Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 No verified information not comparable Psychiatric clinic: maximum days
90 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 45 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Acute hospital: maximum days
Unlimited Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 No verified information not comparable Rooming-in (per day)
CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 No verified information not comparable Ward choice at admission
No verified information Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 1 not comparable Maximum cost share per year
No verified information CHF 6’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2 not comparable Ward
No verified information General, semi-private or private ward, chosen before admission Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 1 not comparable
All products in “Hospital” compared
Maternity
Feature
Helsana HOSPITAL Halbprivat Halbprivat
KPT Spital-Zusatzversicherung Flex Flex Eco
Result Waiting period in months
12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 No verified information not comparable Home birth
Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 equal Birth centre
Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 No verified information not comparable
All products in “Maternity” compared
Contract terms
Feature
Helsana HOSPITAL Halbprivat Halbprivat
KPT Spital-Zusatzversicherung Flex Flex Eco
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 für die Zusatzversicherungen nach VVG, edition 2027, p. 2 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 für die Zusatzversicherungen nach VVG, edition 2027, p. 2 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 für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Premium and age
No verified information Premium is age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached. Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4 not comparable Other notable benefits
No verified information Contribution to consulting services around treatments and procedures per a published list; newborn's stay and care costs covered. Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.