Assura Natura vs. SWICA Optima: benefits compared
Direct comparison of Assura Natura and SWICA Optima in 3 categories. All values come from the policy terms and are backed by their source.
Assura Natura is better on 0 features, SWICA Optima on 2; both are equal on 1.
- Assura Natura
- SWICA Optima
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Alternative medicine
| Feature | Assura Natura | SWICA Optima | Result |
|---|---|---|---|
| Maximum per session | CHF 110Source: BVB Natura (07.2015), edition 2027, p. 3 | No verified information | not comparable |
| Natural remedies: annual cap | CHF 800Source: BVB Natura (07.2015), edition 2027, p. 3 | 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 |
Prevention
| Feature | Assura Natura | SWICA Optima | Result |
|---|---|---|---|
| Coverage (percent) | Not coveredSource: BVB Natura (07.2015), edition 2027, p. 3 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Annual cap | No verified information | CHF 300Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Vaccinations (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Health check-up | No verified information | UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Natura | 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 |
| No-claims bonus | YesSource: BVB Natura (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 final.Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | No verified information | 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.