Atupri Intense vs. KPT Spital-Zusatzversicherung Flex Flex Eco: benefits compared

Direct comparison of Atupri Intense and KPT Spital-Zusatzversicherung Flex Flex Eco in 5 categories. All values come from the policy terms and are backed by their source.

Atupri Intense is better on 1 features, KPT Spital-Zusatzversicherung Flex Flex Eco on 2; both are equal on 1.

Maternity

Feature	Atupri Intense	KPT Spital-Zusatzversicherung Flex Flex Eco	Result
Breastfeeding allowance	CHF 200Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6	No verified information	not comparable
Newborns without health check	YesSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1	No verified information	not comparable
Home birth	No verified information	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	not comparable

All products in “Maternity” compared

Travel abroad

Feature	Atupri Intense	KPT Spital-Zusatzversicherung Flex Flex Eco	Result
Worldwide validity	YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3	No verified information	not comparable
Trip cancellation costs	CHF 5’000Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 3	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	KPT Spital-Zusatzversicherung Flex Flex Eco better
Maximum trip duration in days	No verified information	56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	not comparable

All products in “Travel abroad” compared

Rescue and transport

Feature	Atupri Intense	KPT Spital-Zusatzversicherung Flex Flex Eco	Result
Repatriation to Switzerland	UnlimitedSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 3	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	Atupri Intense better
Rescue cost cap	No verified information	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	not comparable
Transport cost cap	No verified information	CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	not comparable

All products in “Rescue and transport” compared

Contract terms

Feature	Atupri Intense	KPT Spital-Zusatzversicherung Flex Flex Eco	Result
Minimum contract duration in years	1Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 2	1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	equal
Maximum entry age	70Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1	No verified information	not comparable
Premium and age	Premiums are graded by age band; they can change at the start of the year in which ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65, 70, 75 and 80 are reached.Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1	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 Eco, edition 2027, p. 4	not comparable
Other notable benefits	Covers treatment of obesity (BMI 30+), sleep analyses/training, hair-loss preparations, up to three extra ultrasounds and genetic tests in pregnancy, and breast reduction (BMI max 30).Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5	Contribution to consulting services around treatments and procedures per a published list; newborn's stay and care costs covered.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4	not comparable
Cancellation notice in months	No verified information	3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	not comparable
Insurer does not cancel after a claim	No verified information	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	not comparable

All products in “Contract terms” compared

Legal protection

Feature	Atupri Intense	KPT Spital-Zusatzversicherung Flex Flex Eco	Result
Patient legal protection per case	CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13	No verified information	not comparable
Legal protection abroad per case	CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13	CHF 300’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	KPT Spital-Zusatzversicherung Flex Flex Eco better

All products in “Legal protection” compared

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