Helsana SANA vs. SWICA Praevita: benefits compared
Direct comparison of Helsana SANA and SWICA Praevita in 2 categories. All values come from the policy terms and are backed by their source.
Helsana SANA is better on 1 features, SWICA Praevita on 1; both are equal on 2.
- Helsana SANA
- SWICA Praevita
- Compare with other products
- Have your own policy checked: order the report
Prevention
| Feature | Helsana SANA | SWICA Praevita | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | 50%Source: ZB Praevita (VVG), edition 2027, p. 3 | Helsana SANA better |
| Annual cap | CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | equal |
| Vaccinations (percent) | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | 90%Source: ZB Praevita (VVG), edition 2027, p. 3 | SWICA Praevita better |
| Vaccinations: annual cap | No verified information | CHF 200Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Health check-up | No verified information | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Helsana SANA | SWICA Praevita | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | No verified information | not comparable |
| 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 | Age-based (Lebensalter) tariff; premiums adjust with age groups 0–18, 19–25, 26–30 and then five-year steps up to 71+.Source: ZB Praevita (VVG), 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 | No verified information | not comparable |
| Prerequisite | No verified information | Requires an existing Completa Top or Completa Forte supplementary insurance with SWICA; Praevita ends when it ends.Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.