Assura Medna vs. SWICA Optima: benefits compared
Direct comparison of Assura Medna and SWICA Optima in 3 categories. All values come from the policy terms and are backed by their source.
Assura Medna is better on 0 features, SWICA Optima on 2; both are equal on 1.
- Assura Medna
- SWICA Optima
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Alternative medicine
| Feature | Assura Medna | SWICA Optima | 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 |
| Therapist requirements | No verified information | Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3 | not comparable |
Cures and recovery
| Feature | Assura Medna | SWICA Optima | Result |
|---|---|---|---|
| Recovery stay (per day) | Not coveredSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 1 | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Spa cure (per day) | No verified information | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Maximum cure days per year | No verified information | 30Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Medna | SWICA Optima | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Optima better |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), 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 Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| 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 | No verified information | 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 | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.