Helsana SANA vs. KPT Spital-Zusatzversicherung Flex Flex Eco: benefits compared
Direct comparison of Helsana SANA and KPT Spital-Zusatzversicherung Flex Flex Eco in 2 categories. All values come from the policy terms and are backed by their source.
Helsana SANA is better on 0 features, KPT Spital-Zusatzversicherung Flex Flex Eco on 0; both are equal on 3.
- Helsana SANA
- KPT Spital-Zusatzversicherung Flex Flex Eco
- Compare with other products
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Travel abroad
| Feature | Helsana SANA | KPT Spital-Zusatzversicherung Flex Flex Eco | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Helsana SANA | KPT Spital-Zusatzversicherung Flex Flex Eco | 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 für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | 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 für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | equal |
| Premium and age | Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | 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 |
| Notable exclusions | Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 | No verified information | not comparable |
| Other notable benefits | Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.