Assura Ultra Varia vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared

Direct comparison of Assura Ultra 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 Ultra Varia is better on 0 features, KPT Spital-Zusatzversicherung Flex Flex Top on 1; both are equal on 2.

Hospital

Feature	Assura Ultra Varia	KPT Spital-Zusatzversicherung Flex Flex Top	Result
Ward	Private ward (Privatabteilung) hospital stay costsSource: BVB Ultra Varia (08.2022), edition 2027, p. 1	General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2	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

All products in “Hospital” compared

Travel abroad

Feature	Assura Ultra 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

All products in “Travel abroad” compared

Contract terms

Feature	Assura Ultra 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
Upgrade without a health check	No verified information	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5	not comparable
Premium and age	No verified information	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

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.