Assura Medna vs. Atupri Mivita Reala: benefits compared
Direct comparison of Assura Medna and Atupri Mivita Reala in 4 categories. All values come from the policy terms and are backed by their source.
Assura Medna is better on 0 features, Atupri Mivita Reala on 2; both are equal on 3.
- Assura Medna
- Atupri Mivita Reala
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Alternative medicine
| Feature | Assura Medna | Atupri Mivita Reala | Result |
|---|---|---|---|
| Maximum per session | CHF 80Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Natural remedies (percent) | 80%Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Natural remedies: annual cap | CHF 2’000Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Coverage (percent) | No verified information | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Annual cap | No verified information | CHF 1’500Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Therapist requirements | No verified information | Treatment by a qualified medical doctor or by a naturopath/therapist recognised by Atupri, for methods for which the therapist has Atupri recognition.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
Travel abroad
| Feature | Assura Medna | Atupri Mivita Reala | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | equal |
| Planned treatment abroad | No verified information | Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | not comparable |
| 24h emergency line and assistance | No verified information | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 | not comparable |
| Trip cancellation costs | No verified information | CHF 5’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | not comparable |
Cures and recovery
| Feature | Assura Medna | Atupri Mivita Reala | Result |
|---|---|---|---|
| Recovery stay (per day) | Not coveredSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 1 | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | Atupri Mivita Reala better |
| Spa cure (per day) | No verified information | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Maximum cure days per year | No verified information | 10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Medna | Atupri Mivita Reala | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | Atupri Mivita Reala better |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
| Premium and age | Premium is set by age at contract conclusion; children 0-18 move to the next age band at 19, young adults 19-25 at 26, and that band is then final.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 |
| Notable exclusions | Pre-existing conditions, accidents before application, palliative treatment, overweight and maternity costs are excluded; rehabilitation and, within Art. 2.2 therapies, mental illness are covered.Source: BVB Medna (07.2015), edition 2027, p. 1 | 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 |
| Maximum entry age | No verified information | 70Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.