Assura Complementa Extra vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared

Direct comparison of Assura Complementa Extra and Visana Ambulant VIVA Ambulant VIVA III in 7 categories. All values come from the policy terms and are backed by their source.

Assura Complementa Extra is better on 1 features, Visana Ambulant VIVA Ambulant VIVA III on 6; both are equal on 3.

Medicines and medical aids

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Medicines outside the SL: maximum	CHF 50’000Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III better
Medical aids (percent)	No verified information	90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Medical aids: annual cap	No verified information	CHF 2’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Contribution for adults	CHF 100Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable
Period for adults in months	12 monthsSource: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable
Laser eye surgery	CHF 100Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable
Children's rule applies up to age	No verified information	18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Glasses and contact lenses” compared

Dental care

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Annual cap	CHF 1’000Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	equal
Orthodontics for children	Not coveredSource: BVB Complementa Extra (07.2015), edition 2027, p. 2	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III better
Orthodontics: maximum amount	Not coveredSource: BVB Complementa Extra (07.2015), edition 2027, p. 2	CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III better
Dental deductible	CHF 500Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable
Dental treatment abroad	Not coveredSource: BVB Complementa Extra (07.2015), edition 2027, p. 2	No verified information	not comparable
Coverage (percent)	No verified information	50%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Wisdom teeth removal	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Dental care” compared

Rescue and transport

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Rescue cost cap	CHF 20’000Source: BVB Complementa Extra (07.2015), edition 2027, p. 2	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA III better
Transport cost cap	No verified information	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable

All products in “Rescue and transport” compared

Home help

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Daily cap	CHF 50Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA III better
Maximum number of days	30Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	30Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	equal
Home nursing (per day)	CHF 200Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	No verified information	not comparable

All products in “Home help” compared

Psychotherapy

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Coverage (percent)	100%Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	80%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Assura Complementa Extra better
Annual cap	CHF 1’500Source: BVB Complementa Extra (07.2015), edition 2027, p. 1	CHF 5’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III 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 doctorSource: BVB Complementa Extra (07.2015), edition 2027, p. 1	Therapist needs a cantonal licence to practise psychotherapy under the Psychology Professions Act (PsyG) and must not be allowed to bill via basic insurance; treatment must serve an illness.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	Assura Complementa Extra	Visana Ambulant VIVA Ambulant VIVA III	Result
Minimum contract duration in years	3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	No verified information	not comparable
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	equal
Accident cover included	YesSource: 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 definitiveSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4	not comparable
Family discount	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1	not comparable
Only with basic insurance at the same insurer	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1	not comparable
Prerequisite	No verified information	Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1	not comparable
Notable exclusions	No verified information	Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable
Other notable benefits	No verified information	Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.