Helsana WORLD vs. SWICA Hospita Hospita Privat: benefits compared
Direct comparison of Helsana WORLD and SWICA Hospita Hospita Privat in 2 categories. All values come from the policy terms and are backed by their source.
Helsana WORLD is better on 0 features, SWICA Hospita Hospita Privat on 0; both are equal on 4.
- Helsana WORLD
- SWICA Hospita Hospita Privat
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Rescue and transport
| Feature | Helsana WORLD | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Transport cost cap | UnlimitedSource: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 13 | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | equal |
| Rescue cost cap | No verified information | CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
Contract terms
| Feature | Helsana WORLD | SWICA Hospita Hospita Privat | 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 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Prerequisite | Benefits require an entitlement under mandatory basic health insurance (KVG); WORLD supplements it.Source: ZVB Auslandschutz-Versicherung WORLD, Ausgabe 1. Januar 2011, edition 2027, p. 1 | No verified information | not comparable |
| Premium and age | Premiums in 5-year age bands up to 91+; premiums for over-65s max 3x and over-70s max 4x the premium of 30-year-olds.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
| Notable exclusions | No verified information | Extra costs of medically necessary out-of-canton treatment not covered; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Other notable benefits | No verified information | Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 5Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.