Atupri Mivita Reala vs. KPT Spital-Zusatzversicherung Privat: benefits compared
Direct comparison of Atupri Mivita Reala and KPT Spital-Zusatzversicherung Privat in 6 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 0 features, KPT Spital-Zusatzversicherung Privat on 3; both are equal on 4.
- Atupri Mivita Reala
- KPT Spital-Zusatzversicherung Privat
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Maternity
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Home birth | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 | equal |
| Breastfeeding allowance | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | No verified information | not comparable |
| Birth centre | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | No verified information | not comparable |
| Newborns without health check | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
Travel abroad
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 | KPT Spital-Zusatzversicherung Privat better |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 | not comparable |
Rescue and transport
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Transport cost cap | CHF 20’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3 | not comparable |
| Repatriation to Switzerland | No verified information | Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3 | not comparable |
Cures and recovery
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Recovery stay (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Maximum cure days per year | 10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 | KPT Spital-Zusatzversicherung Privat better |
Contract terms
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 1Source: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 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 tiered by age; moving to a higher age band usually raises the premium on 1 January; bands differ for entry up to age 50 and from 51Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | not comparable |
| Other notable benefits | No verified information | Inpatient rehabilitation with full cost coverage in the insured ward for up to 60 days within 5 calendar years; hospital services abroad: full coverage worldwide except USA and Canada (up to CHF 100,000)Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 | not comparable |
Legal protection
| Feature | Atupri Mivita Reala | KPT Spital-Zusatzversicherung Privat | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | No verified information | not comparable |
| Legal protection abroad per case | CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 300’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 | KPT Spital-Zusatzversicherung Privat better |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.