Home Supplementary insurance at a glance Atupri Mivita Reala vs. KPT Pulse Pulse Premium: benefits compared Atupri Mivita Reala vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of Atupri Mivita Reala and KPT Pulse Pulse Premium in 11 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 2 features, KPT Pulse Pulse Premium on 9; both are equal on 4.
Outpatient
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Sterilisation
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 KPT Pulse Pulse Premium 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 1’000 Source: 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
KPT Pulse Pulse Premium
Result Coverage (percent)
50% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 KPT Pulse Pulse Premium better Annual cap
CHF 1’500 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 KPT Pulse Pulse Premium better 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 Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 not comparable Natural remedies (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 not comparable Natural remedies: annual cap
No verified information CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Medicines outside the SL (percent)
90% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 equal Medical aids (percent)
50% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable Medical aids: annual cap
CHF 750 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 Atupri Mivita Reala better Medicines outside the SL: maximum
No verified information CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Contribution for adults
CHF 300 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 KPT Pulse Pulse Premium better Period for adults in months
12 months Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 Atupri Mivita Reala better Laser eye surgery
No verified information CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 not comparable
All products in “Glasses and contact lenses” compared
Prevention
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Vaccinations (percent)
90% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 KPT Pulse Pulse Premium better Health check-up
CHF 200 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 KPT Pulse Pulse Premium better Coverage (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable Vaccinations: annual cap
No verified information CHF 800 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 not comparable Gynaecological screening (percent)
No verified information 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable
All products in “Prevention” compared
Maternity
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
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 Birth preparation amount
No verified information CHF 450 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 No verified information not comparable 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 CHF 20’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 KPT Pulse Pulse Premium better Maximum trip duration in days
No verified information 56 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Contract terms
Feature
Atupri Mivita Reala
KPT Pulse Pulse Premium
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1 Source: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January. Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 5 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 Accident cover included
No verified information Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 not comparable Prerequisite
No verified information The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP). Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.