Helsana SANA vs. SWICA Optima: benefits compared

Direct comparison of Helsana SANA and SWICA Optima in 4 categories. All values come from the policy terms and are backed by their source.

Helsana SANA is better on 1 features, SWICA Optima on 3; both are equal on 2.

Alternative medicine

Feature	Helsana SANA	SWICA Optima	Result
Coverage (percent)	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1	No verified information	not comparable
Therapist requirements	No verified information	Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3	not comparable

All products in “Alternative medicine” compared

Prevention

Feature	Helsana SANA	SWICA Optima	Result
Coverage (percent)	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better
Annual cap	CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	CHF 300Source: ZB Optima (VVG), edition 2027, p. 4	Helsana SANA better
Vaccinations (percent)	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better
Health check-up	No verified information	UnlimitedSource: 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

All products in “Prevention” compared

Fitness

Feature	Helsana SANA	SWICA Optima	Result
Annual contribution	CHF 200Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	No verified information	not comparable
Contribution (percent of cost)	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better

All products in “Fitness” compared

Contract terms

Feature	Helsana SANA	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
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	No verified information	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	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	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	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

All products in “Contract terms” compared

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