Home Supplementary insurance at a glance Atupri Mivita Reala vs. Helsana HOSPITAL ECO Allgemein: benefits compared Atupri Mivita Reala vs. Helsana HOSPITAL ECO Allgemein: benefits compared
Direct comparison of Atupri Mivita Reala and Helsana HOSPITAL ECO Allgemein in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 1 features, Helsana HOSPITAL ECO Allgemein on 0; both are equal on 5.
Maternity
Feature
Atupri Mivita Reala
Helsana HOSPITAL ECO Allgemein
Result Home birth
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 No verified information not comparable Breastfeeding allowance
CHF 200 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 No verified information not comparable Birth centre
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 No verified information not comparable Newborns without health check
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable Waiting period in months
No verified information 12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Mivita Reala
Helsana HOSPITAL ECO Allgemein
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
Not covered Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable 24h emergency line and assistance
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 No verified information not comparable Trip cancellation costs
CHF 5’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable
All products in “Travel abroad” compared
Home help
Feature
Atupri Mivita Reala
Helsana HOSPITAL ECO Allgemein
Result Daily cap
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 CHF 30 Source: ZVB HOSPITAL ECO, Ausgabe 2016, edition 2027, p. 2 Atupri Mivita Reala better Maximum number of days
30 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 30 Source: ZVB HOSPITAL ECO, Ausgabe 2016, edition 2027, p. 2 equal Home nursing (per day)
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 No verified information not comparable
All products in “Home help” compared
Contract terms
Feature
Atupri Mivita Reala
Helsana HOSPITAL ECO Allgemein
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Maximum entry age
70 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 Yes Source: 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 in 5-year age bands up to 91+; over 65 max 3x the premium of a 30-year-old, over 70 max 4x. Source: 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
Information only, not advice, no guarantee. The insurers' own documents are authoritative.