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Atupri Mivita Reala vs. Helsana COMPLETA: benefits compared

Direct comparison of Atupri Mivita Reala and Helsana COMPLETA in 8 categories. All values come from the policy terms and are backed by their source.

Atupri Mivita Reala is better on 0 features, Helsana COMPLETA on 5; both are equal on 7.

Outpatient

Feature Atupri Mivita Reala Helsana COMPLETA Result
Sterilisation CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9 CHF 4’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 Helsana COMPLETA better
Contraception (percent) 60%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable
Contraception: annual cap CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable

All products in “Outpatient” compared

Alternative medicine

Feature Atupri Mivita Reala Helsana COMPLETA Result
Coverage (percent) 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better
Annual cap CHF 1’500Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable
Therapist requirements Treatment by a qualified medical doctor or by a naturopath/therapist recognised by Atupri, for methods for which the therapist has Atupri recognition.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable

All products in “Alternative medicine” compared

Medicines and medical aids

Feature Atupri Mivita Reala Helsana COMPLETA Result
Medicines outside the SL (percent) 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 equal
Medical aids (percent) 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better
Medical aids: annual cap CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better
Hearing aids: cap No verified information CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 not comparable

All products in “Medicines and medical aids” compared

Prevention

Feature Atupri Mivita Reala Helsana COMPLETA Result
Vaccinations (percent) 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 equal
Health check-up CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable
Coverage (percent) No verified information 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable
Annual cap No verified information CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable

All products in “Prevention” compared

Fitness

Feature Atupri Mivita Reala Helsana COMPLETA Result
Annual contribution CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable
Contribution (percent of cost) 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 Helsana COMPLETA better

All products in “Fitness” compared

Travel abroad

Feature Atupri Mivita Reala Helsana COMPLETA Result
Worldwide validity YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal
Planned treatment abroad Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable
24h emergency line and assistance YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 No verified information not comparable
Trip cancellation costs CHF 5’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable

All products in “Travel abroad” compared

Contract terms

Feature Atupri Mivita Reala Helsana COMPLETA Result
Minimum contract duration in years 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal
Cancellation notice in months 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal
Maximum entry age 70Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 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 YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal
Premium and age Premiums are set by current age in age classes and generally rise with age; the premium changes at ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70.Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 Premiums by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 not comparable
Notable exclusions Benefits only for treatment in Switzerland (except emergencies, glasses/aids, spa cures Extensa); no benefits for outpatient hospital treatment, chronic inpatient care, or semi-private/private ward stays; benefits depend on age and sex life phase.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable

All products in “Contract terms” compared

Feature Atupri Mivita Reala Helsana COMPLETA 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 50’000Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 7 equal

All products in “Legal protection” compared

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

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