Assura Optima Varia vs. Atupri Basic: benefits compared
Direct comparison of Assura Optima Varia and Atupri Basic in 2 categories. All values come from the policy terms and are backed by their source.
Assura Optima Varia is better on 0 features, Atupri Basic on 0; both are equal on 3.
- Assura Optima Varia
- Atupri Basic
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Travel abroad
| Feature | Assura Optima Varia | Atupri Basic | 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 |
| Trip cancellation costs | No verified information | CHF 5’000Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Optima Varia | Atupri Basic | 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 | 3 monthsSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | 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 varies with effective age, adjusted on 1 January of the year the insured turns 19, 26, 31, 36 ... up to 91.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | Pre-existing conditions, prior accidents, psychiatric illness, palliative care, overweight and maternity excluded; only approved facilities with Assura list.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | No benefits for inpatient treatment of chronic illnesses, personal expenses, hospital stays linked to dental treatment; no cover for treatment abroad sought for that purpose, motor racing.Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 4 | not comparable |
| Other notable benefits | Special nursing care in hospital up to CHF 500 per calendar year.Source: BVB Optima Varia (07.2015), edition 2027, p. 1 | Covers additional costs outside canton for general ward in listed hospitals (tariff difference), unlimited duration in acute hospitals, psychiatric clinic max 90 days; newborn extra bed and breast pump under maternity.Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 3 | not comparable |
| Maximum entry age | No verified information | 70Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.