Home Supplementary insurance at a glance Atupri Mivita Reala vs. Helsana HOSPITAL Privat Privat: benefits compared Atupri Mivita Reala vs. Helsana HOSPITAL Privat Privat: benefits compared
Direct comparison of Atupri Mivita Reala and Helsana HOSPITAL Privat Privat in 5 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 0 features, Helsana HOSPITAL Privat Privat on 5; both are equal on 7.
Maternity
Feature
Atupri Mivita Reala
Helsana HOSPITAL Privat Privat
Result Home birth
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal 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 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal 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. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Mivita Reala
Helsana HOSPITAL Privat Privat
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 Unlimited Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better 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
Cures and recovery
Feature
Atupri Mivita Reala
Helsana HOSPITAL Privat Privat
Result Spa cure (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Recovery stay (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Maximum cure days per year
10 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 21 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Transitional care after hospital
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Cures and recovery” compared
Home help
Feature
Atupri Mivita Reala
Helsana HOSPITAL Privat Privat
Result Daily cap
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Maximum number of days
30 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 30 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 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 Privat Privat
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 No verified information 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.