Assura Optima Varia vs. Atupri Spital Spital Opti 1: benefits compared
Direct comparison of Assura Optima 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 Varia is better on 0 features, Atupri Spital Spital Opti 1 on 1; both are equal on 4.
- Assura Optima Varia
- Atupri Spital Spital Opti 1
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Hospital
| Feature | Assura Optima Varia | Atupri Spital Spital Opti 1 | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | equal |
| Acute hospital: maximum days | UnlimitedSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | 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 |
| Maximum cost share per year | No verified information | CHF 8’000Source: 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 |
| Ward | No verified information | 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 |
Travel abroad
| Feature | Assura Optima Varia | Atupri Spital Spital Opti 1 | 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 |
| Emergency cover cap | No verified information | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | not comparable |
| 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 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 |
| 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 | 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 | 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 | 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 |
| 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 | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.