Helsana HOSPITAL Halbprivat Halbprivat vs. ÖKK ÖKK SPITAL SPITAL GLOBAL: benefits compared

Direct comparison of Helsana HOSPITAL Halbprivat Halbprivat and ÖKK ÖKK SPITAL SPITAL GLOBAL in 5 categories. All values come from the policy terms and are backed by their source.

Helsana HOSPITAL Halbprivat Halbprivat is better on 1 features, ÖKK ÖKK SPITAL SPITAL GLOBAL on 2; both are equal on 5.

Hospital

Feature	Helsana HOSPITAL Halbprivat Halbprivat	ÖKK ÖKK SPITAL SPITAL GLOBAL	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 coveredSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1	No verified information	not comparable
Psychiatric clinic: maximum days	90Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2	90Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	equal
Acute hospital: maximum days	UnlimitedSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2	No verified information	not comparable
Rooming-in (per day)	CHF 100Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	No verified information	not comparable
Free hospital choice across Switzerland	No verified information	YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	not comparable
Allowance for staying in a lower ward (per day)	No verified information	CHF 400Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5	not comparable
Ward	No verified information	Private ward worldwide (single room)Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2	not comparable

All products in “Hospital” compared

Maternity

Feature	Helsana HOSPITAL Halbprivat Halbprivat	ÖKK ÖKK SPITAL SPITAL GLOBAL	Result
Waiting period in months	12 monthsSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7	equal
Home birth	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	No verified information	not comparable
Birth centre	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1	YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	equal

All products in “Maternity” compared

Travel abroad

Feature	Helsana HOSPITAL Halbprivat Halbprivat	ÖKK ÖKK SPITAL SPITAL GLOBAL	Result
Worldwide validity	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4	equal
Planned treatment abroad	CHF 1’500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	UnlimitedSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4	ÖKK ÖKK SPITAL SPITAL GLOBAL better
Emergency cover cap	No verified information	UnlimitedSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4	not comparable

All products in “Travel abroad” compared

Cures and recovery

Feature	Helsana HOSPITAL Halbprivat Halbprivat	ÖKK ÖKK SPITAL SPITAL GLOBAL	Result
Spa cure (per day)	CHF 100Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	No verified information	not comparable
Recovery stay (per day)	CHF 100Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	No verified information	not comparable
Maximum cure days per year	21Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4	ÖKK ÖKK SPITAL SPITAL GLOBAL better
Transitional care after hospital	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2	No verified information	not comparable

All products in “Cures and recovery” compared

Contract terms

Feature	Helsana HOSPITAL Halbprivat Halbprivat	ÖKK ÖKK SPITAL SPITAL GLOBAL	Result
Minimum contract duration in years	1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2	Helsana HOSPITAL Halbprivat Halbprivat better
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, 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
Suspension possible	No verified information	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5	not comparable

All products in “Contract terms” compared

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