Helsana TOP vs. SWICA Supplementa: benefits compared
Direct comparison of Helsana TOP and SWICA Supplementa in 2 categories. All values come from the policy terms and are backed by their source.
Helsana TOP is better on 1 features, SWICA Supplementa on 0; both are equal on 1.
- Helsana TOP
- SWICA Supplementa
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Medicines and medical aids
| Feature | Helsana TOP | SWICA Supplementa | Result |
|---|---|---|---|
| Medical aids (percent) | 90%Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | 90%Source: ZB Supplementa (VVG), Ausgabe 2026, edition 2027, p. 3 | equal |
| Medical aids: annual cap | CHF 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | CHF 500Source: ZB Supplementa (VVG), Ausgabe 2026, edition 2027, p. 3 | Helsana TOP better |
Contract terms
| Feature | Helsana TOP | SWICA Supplementa | 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 | 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 |
| Prerequisite | No verified information | Requires existing Completa Top or Completa Forte supplementary insurance with SWICA; Supplementa ends automatically when that contract ends.Source: ZB Supplementa (VVG), Ausgabe 2026, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.