Helsana TOP vs. ÖKK ÖKK START: benefits compared
Direct comparison of Helsana TOP and ÖKK ÖKK START in 3 categories. All values come from the policy terms and are backed by their source.
Helsana TOP is better on 2 features, ÖKK ÖKK START on 0; both are equal on 1.
- Helsana TOP
- ÖKK ÖKK START
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Medicines and medical aids
| Feature | Helsana TOP | ÖKK ÖKK START | Result |
|---|---|---|---|
| Medical aids (percent) | 90%Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | 50%Source: AVB ÖKK START 2026, edition 2027, p. 3 | Helsana TOP better |
| Medical aids: annual cap | CHF 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 3 | Helsana TOP better |
| Medicines outside the SL (percent) | No verified information | 90%Source: AVB ÖKK START 2026, edition 2027, p. 3 | not comparable |
| Medicines outside the SL: maximum | No verified information | CHF 20’000Source: AVB ÖKK START 2026, edition 2027, p. 3 | not comparable |
Dental care
| Feature | Helsana TOP | ÖKK ÖKK START | Result |
|---|---|---|---|
| Orthodontics: maximum amount | CHF 10’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 3 | No verified information | not comparable |
| Benefits up to age | No verified information | 25Source: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
| Wisdom teeth removal | No verified information | YesSource: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
| Dental treatment abroad | No verified information | YesSource: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Helsana TOP | ÖKK ÖKK START | 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 | No verified information | not comparable |
| 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: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Premium and age | Premiums by 5-year age groups up to 91+; for over 65s max. 3x the premium of a 30-year-old, for over 70s max. 4xSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | No verified information | not comparable |
| Family discount | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | not comparable |
| Accident cover included | No verified information | YesSource: AVB ÖKK START 2026, edition 2027, p. 2 | not comparable |
| Other notable benefits | No verified information | Thermal bath 50% up to 12 entries per year; public transport costs 90% up to CHF 100 per year for treatments far from home; inpatient rehabilitation up to 60 days per year at full cost coverageSource: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.