Home Supplementary insurance at a glance Atupri Mivita Reala vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared Atupri Mivita Reala vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared
Direct comparison of Atupri Mivita Reala and KPT Spital-Zusatzversicherung Flex Flex Top in 6 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 1 features, KPT Spital-Zusatzversicherung Flex Flex Top on 2; both are equal on 4.
Maternity
Feature
Atupri Mivita Reala
KPT Spital-Zusatzversicherung Flex Flex Top
Result Home birth
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 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 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
All products in “Maternity” compared
Travel abroad
Feature
Atupri Mivita Reala
KPT Spital-Zusatzversicherung Flex Flex Top
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 Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 KPT Spital-Zusatzversicherung Flex Flex Top better Maximum trip duration in days
No verified information 56 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable
All products in “Travel abroad” compared
Home help
Feature
Atupri Mivita Reala
KPT Spital-Zusatzversicherung Flex Flex Top
Result Daily cap
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 No verified information not comparable Maximum number of days
30 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 No verified information not comparable Home nursing (per day)
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 No verified information not comparable Childcare during illness (per day)
No verified information CHF 100 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 not comparable
All products in “Home help” compared
Contract terms
Feature
Atupri Mivita Reala
KPT Spital-Zusatzversicherung Flex Flex Top
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 Premium is age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached. Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 7 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 Upgrade without a health check
No verified information Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.