Assura Optima Flex Varia vs. Atupri Spital Spital Opti 1: benefits compared
Direct comparison of Assura Optima Flex Varia and Atupri Spital Spital Opti 1 in 3 categories. All values come from the policy terms and are backed by their source.
Assura Optima Flex Varia is better on 1 features, Atupri Spital Spital Opti 1 on 3; both are equal on 3.
- Assura Optima Flex Varia
- Atupri Spital Spital Opti 1
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Hospital
| Feature | Assura Optima Flex Varia | Atupri Spital Spital Opti 1 | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | equal |
| Maximum cost share per year | CHF 4’500Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | CHF 8’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | Assura Optima Flex Varia better |
| Acute hospital: maximum days | UnlimitedSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 1 | No verified information | not comparable |
| Ward | Insured freely chooses private, semi-private or general ward at each inpatient stay in a recognised facility; cost share varies by ward.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 1 | General, semi-private or private ward of the insured's choice, with corresponding cost share.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | not comparable |
| Ward choice at admission | No verified information | YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Cost share semi-private (percent) | No verified information | 40%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Cost share private (percent) | No verified information | 50%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| Coverage in non-listed hospitals | No verified information | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | not comparable |
| Psychiatric clinic: maximum days | No verified information | 90Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | not comparable |
| Rooming-in (per day) | No verified information | CHF 50Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | not comparable |
Travel abroad
| Feature | Assura Optima Flex Varia | Atupri Spital Spital Opti 1 | Result |
|---|---|---|---|
| Emergency cover cap | Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | Atupri Spital Spital Opti 1 better |
| Worldwide validity | Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | Atupri Spital Spital Opti 1 better |
| Planned treatment abroad | No verified information | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Assura Optima Flex Varia | Atupri Spital Spital Opti 1 | 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 Spital Spital Opti 1 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 |
| Other notable benefits | Non-recognised provider: treatment costs up to CHF 300/day and board costs up to CHF 200/day reimbursed.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | not comparable |
| Maximum entry age | No verified information | 70Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | not comparable |
| Family discount | No verified information | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | not comparable |
| Premium and age | No verified information | Premium is based on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70 is reached.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | not comparable |
| Notable exclusions | No verified information | Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.