Home Supplementary insurance at a glance Assura Complementa Extra vs. Atupri Mivita Reala: benefits compared Assura Complementa Extra vs. Atupri Mivita Reala: benefits compared
Direct comparison of Assura Complementa Extra and Atupri Mivita Reala in 7 categories. All values come from the policy terms and are backed by their source.
Assura Complementa Extra is better on 5 features, Atupri Mivita Reala on 3; both are equal on 4.
Medicines and medical aids
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Medicines outside the SL: maximum
CHF 50’000 Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 No verified information not comparable Medicines outside the SL (percent)
No verified information 90% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 not comparable Medical aids (percent)
No verified information 50% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 not comparable Medical aids: annual cap
No verified information CHF 750 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Contribution for adults
CHF 100 Source: BVB Complementa Extra (07.2015), edition 2027, p. 2 CHF 300 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 Atupri Mivita Reala better Period for adults in months
12 months Source: BVB Complementa Extra (07.2015), edition 2027, p. 2 12 months Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 equal Laser eye surgery
CHF 100 Source: BVB Complementa Extra (07.2015), edition 2027, p. 2 No verified information not comparable
All products in “Glasses and contact lenses” compared
Cures and recovery
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Recovery stay (per day)
CHF 40 Source: BVB Complementa Extra (07.2015), edition 2027, p. 2 CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 Atupri Mivita Reala better Maximum cure days per year
21 Source: BVB Complementa Extra (07.2015), edition 2027, p. 2 10 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 Assura Complementa Extra better Spa cure (per day)
No verified information CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 not comparable
All products in “Cures and recovery” compared
Home help
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Daily cap
CHF 50 Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 Assura Complementa Extra better Maximum number of days
30 Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 30 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 equal Home nursing (per day)
CHF 200 Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 Assura Complementa Extra better
All products in “Home help” compared
Psychotherapy
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Coverage (percent)
100% Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 60% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 Assura Complementa Extra better Annual cap
CHF 1’500 Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 Assura Complementa Extra better Therapist requirements
Non-medical psychotherapist or independent psychologist listed on the list of the umbrella organisation of Swiss health insurers; treatment must be prescribed by a doctor Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 Psychologists and other professionals with a cantonal licence for independent practice or membership of SPV, SBAP or FSP. Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
Assura Complementa Extra
Atupri Mivita Reala
Result Minimum contract duration in years
3 Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 Atupri Mivita Reala better Cancellation notice in months
3 months Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 equal Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 equal Accident cover included
Yes Source: BVB Complementa Extra (07.2015), edition 2027, p. 1 No verified information not comparable Premium and age
Premium set by age at conclusion; children 0-18 move to next age band at 19, young adults 19-25 at 26, then definitive Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 Premiums are set by current age in age classes and generally rise with age; the premium changes at ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70. Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 not comparable Maximum entry age
No verified information 70 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 not comparable Notable exclusions
No verified information Benefits only for treatment in Switzerland (except emergencies, glasses/aids, spa cures Extensa); no benefits for outpatient hospital treatment, chronic inpatient care, or semi-private/private ward stays; benefits depend on age and sex life phase. Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.