You check with a help ==that will only return true if all the set parameters are contained in the value you are comparing. Remember that this is a bitmap rename where you add additional parameters to the same value with a bitwise or |. You can check if a particular option is part of a different value &.
if settings.types & UIUserNotificationType.Alert != nil {
}
Swift 2.0+ . [UIUserNotificationType], :
if settings.types.contains(.Alert) {
// .Alert is one of the valid options
}