Atupri Mivita Reala vs. Helsana TOP: benefits compared
Direct comparison of Atupri Mivita Reala and Helsana TOP in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 0 features, Helsana TOP on 2; both are equal on 5.
- Atupri Mivita Reala
- Helsana TOP
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Medicines and medical aids
| Feature | Atupri Mivita Reala | Helsana TOP | Result |
|---|---|---|---|
| Medicines outside the SL (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Medical aids (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 90%Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | Helsana TOP better |
| Medical aids: annual cap | CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | Helsana TOP better |
Travel abroad
| Feature | Atupri Mivita Reala | Helsana TOP | 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 | Not coveredSource: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 10 | equal |
| 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 |
| Visit trip for a close relative | No verified information | YesSource: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | Helsana TOP | 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 groups up to 91+; for over 65s max. 3x the premium of a 30-year-old, for over 70s max. 4xSource: 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.