Helsana TOP vs. SWICA Completa Forte: benefits compared

Direct comparison of Helsana TOP and SWICA Completa Forte in 3 categories. All values come from the policy terms and are backed by their source.

Helsana TOP is better on 1 features, SWICA Completa Forte on 0; both are equal on 2.

Medicines and medical aids

Feature	Helsana TOP	SWICA Completa Forte	Result
Medical aids (percent)	90%Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	equal
Medical aids: annual cap	CHF 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 6	Helsana TOP better

Feature	Helsana TOP	SWICA Completa Forte	Result
Orthodontics: maximum amount	CHF 10’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 3	No verified information	not comparable
Coverage (percent)	No verified information	50%Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Annual cap	No verified information	CHF 100Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Orthodontics up to age	No verified information	25Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Dental treatment abroad	No verified information	YesSource: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

Feature	Helsana TOP	SWICA Completa Forte	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 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
Upgrade without a health check	No verified information	Not coveredSource: ZB Completa Forte (VVG), edition 2027, p. 8	not comparable

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