Assura Optima Varia vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared
Direct comparison of Assura Optima Varia and KPT Spital-Zusatzversicherung Flex Flex Top in 3 categories. All values come from the policy terms and are backed by their source.
Assura Optima Varia is better on 0 features, KPT Spital-Zusatzversicherung Flex Flex Top on 1; both are equal on 2.
- Assura Optima Varia
- KPT Spital-Zusatzversicherung Flex Flex Top
- Compare with other products
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Hospital
| Feature | Assura Optima Varia | KPT Spital-Zusatzversicherung Flex Flex Top | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| 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: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 | not comparable |
| Maximum cost share per year | No verified information | CHF 4’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 | not comparable |
| Psychiatric clinic: maximum days | No verified information | 90Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 | not comparable |
| Rooming-in (per day) | No verified information | CHF 50Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 | not comparable |
| Ward | No verified information | General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 | not comparable |
Travel abroad
| Feature | Assura Optima Varia | KPT Spital-Zusatzversicherung Flex Flex Top | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Assura Optima Varia | KPT Spital-Zusatzversicherung Flex Flex Top | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Spital-Zusatzversicherung Flex Flex Top better |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | 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 age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 7 | 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 verified information | 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 | No verified information | not comparable |
| Upgrade without a health check | No verified information | YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.