Helsana TOP vs. SWICA Optima: benefits compared
Direct comparison of Helsana TOP and SWICA Optima in 2 categories. All values come from the policy terms and are backed by their source.
Helsana TOP is better on 1 features, SWICA Optima on 0; both are equal on 3.
Medicines and medical aids
| Feature | Helsana TOP | SWICA Optima | Result |
|---|---|---|---|
| Medical aids (percent) | 90%Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | 90%Source: ZB Optima (VVG), edition 2027, p. 5 | equal |
| Medical aids: annual cap | CHF 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 | Helsana TOP better |
Contract terms
| Feature | Helsana TOP | 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 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 |
| Notable exclusions | No verified information | 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 | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.