Helsana PRIMEO vs. SWICA Optima: benefits compared
Direct comparison of Helsana PRIMEO and SWICA Optima in 3 categories. All values come from the policy terms and are backed by their source.
Helsana PRIMEO is better on 1 features, SWICA Optima on 1; both are equal on 2.
- Helsana PRIMEO
- SWICA Optima
- Compare with other products
- Have your own policy checked: order the report
Medicines and medical aids
| Feature | Helsana PRIMEO | SWICA Optima | Result |
|---|---|---|---|
| Medical aids: annual cap | CHF 5’000Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 | CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 | Helsana PRIMEO better |
| Medical aids (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Prevention
| Feature | Helsana PRIMEO | SWICA Optima | Result |
|---|---|---|---|
| Health check-up | CHF 1’700Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 | UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Coverage (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Annual cap | No verified information | CHF 300Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Vaccinations (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Helsana PRIMEO | SWICA Optima | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| 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 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | No verified information | not comparable |
| Notable exclusions | No verified information | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.