Atupri Mivita Reala vs. Helsana SANA: benefits compared
Direct comparison of Atupri Mivita Reala and Helsana SANA in 5 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 1 features, Helsana SANA on 2; both are equal on 5.
- Atupri Mivita Reala
- Helsana SANA
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Alternative medicine
| Feature | Atupri Mivita Reala | Helsana SANA | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | Helsana SANA 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 |
Prevention
| Feature | Atupri Mivita Reala | Helsana SANA | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | Atupri Mivita Reala better |
| 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 | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | not comparable |
| Annual cap | No verified information | CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | not comparable |
Fitness
| Feature | Atupri Mivita Reala | Helsana SANA | Result |
|---|---|---|---|
| Annual contribution | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 200Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | equal |
| Contribution (percent of cost) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 | Helsana SANA better |
Travel abroad
| Feature | Atupri Mivita Reala | Helsana SANA | 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 |
Contract terms
| Feature | Atupri Mivita Reala | Helsana SANA | 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 set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 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 | Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.