Home Supplementary insurance at a glance Helsana HOSPITAL Halbprivat Halbprivat vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared Helsana HOSPITAL Halbprivat Halbprivat vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared
Direct comparison of Helsana HOSPITAL Halbprivat Halbprivat and ÖKK ÖKK SPITAL SPITAL PRIVAT 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 PRIVAT on 1; both are equal on 5.
Hospital
Feature
Helsana HOSPITAL Halbprivat Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal 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 Free hospital choice across Switzerland
No verified information Yes Source: 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 400 Source: 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 in Switzerland (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 PRIVAT
Result Waiting period in months
12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 equal Home birth
Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 No verified information not comparable Birth centre
Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 Yes Source: 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 PRIVAT
Result Worldwide validity
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal Planned treatment abroad
CHF 1’500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 No verified information not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
Helsana HOSPITAL Halbprivat Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
Result Spa cure (per day)
CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 No verified information not comparable Recovery stay (per day)
CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 No verified information not comparable Maximum cure days per year
21 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 ÖKK ÖKK SPITAL SPITAL PRIVAT better Transitional care after hospital
Yes Source: 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 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 3 Source: 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 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, 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 No verified information not comparable Suspension possible
No verified information Yes Source: 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.