Home Supplementary insurance at a glance Helsana HOSPITAL Privat Privat vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared Helsana HOSPITAL Privat Privat vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Helsana HOSPITAL Privat Privat and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 5 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL Privat Privat is better on 3 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 1; both are equal on 5.
Hospital
Feature
Helsana HOSPITAL Privat Privat
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Cost share (percent)
0% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 35% Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 Helsana HOSPITAL Privat Privat better 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
180 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 Helsana HOSPITAL Privat Privat better Rooming-in (per day)
CHF 200 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: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable Ward
No verified information General or semi-private ward in Switzerland, with cost share 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 Privat Privat
ÖKK ÖKK SPITAL SPITAL FLEX MINI
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. 3 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 Privat Privat
ÖKK ÖKK SPITAL SPITAL FLEX MINI
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
Unlimited 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 Privat Privat
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Spa cure (per day)
CHF 200 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 200 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: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, 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 FLEX MINI 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 Privat Privat
ÖKK ÖKK SPITAL SPITAL FLEX MINI
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 Privat Privat 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 Other notable benefits
No verified information Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private ward Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.