Atupri Basic vs. SWICA Optima: benefits compared
Direct comparison of Atupri Basic and SWICA Optima in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Basic is better on 0 features, SWICA Optima on 1; both are equal on 2.
- Atupri Basic
- SWICA Optima
- Compare with other products
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Prevention
| Feature | Atupri Basic | SWICA Optima | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | equal |
| Health check-up | CHF 200Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Coverage (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Annual cap | No verified information | CHF 300Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Fitness
| Feature | Atupri Basic | SWICA Optima | Result |
|---|---|---|---|
| Annual contribution | CHF 200Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | No verified information | not comparable |
| Contribution (percent of cost) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Atupri Basic | SWICA Optima | Result |
|---|---|---|---|
| Cancellation notice in months | 3 monthsSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Maximum entry age | 70Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | No verified information | not comparable |
| Notable exclusions | 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 | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Other notable benefits | 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 | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
| Minimum contract duration in years | No verified information | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.