Atupri Mivita Reala vs. SWICA Completa Forte: benefits compared

Direct comparison of Atupri Mivita Reala and SWICA Completa Forte in 10 categories. All values come from the policy terms and are backed by their source.

Atupri Mivita Reala is better on 6 features, SWICA Completa Forte on 6; both are equal on 2.

Outpatient

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Sterilisation	CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 5	Atupri Mivita Reala 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 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7	No verified information	not comparable
Ear correction for children	No verified information	CHF 1’500Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

All products in “Outpatient” compared

Alternative medicine

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Coverage (percent)	50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4	90%Source: ZB Completa Forte (VVG), edition 2027, p. 4	SWICA Completa Forte 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	Treatment must be by a doctor or therapist recognised by SWICA; SWICA keeps lists of recognised methods and practitionersSource: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable
Maximum per session	No verified information	CHF 120Source: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable

All products in “Alternative medicine” compared

Medicines and medical aids

Feature	Atupri Mivita Reala	SWICA Completa Forte	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: ZB Completa Forte (VVG), edition 2027, p. 6	SWICA Completa Forte better
Medical aids: annual cap	CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 6	Atupri Mivita Reala better

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Contribution for adults	CHF 300Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5	CHF 900Source: ZB Completa Forte (VVG), edition 2027, p. 5	SWICA Completa Forte better
Period for adults in months	12 monthsSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5	36 monthsSource: ZB Completa Forte (VVG), edition 2027, p. 5	Atupri Mivita Reala better

All products in “Glasses and contact lenses” compared

Prevention

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Vaccinations (percent)	90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5	No verified information	not comparable
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	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable
Annual cap	No verified information	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

All products in “Prevention” compared

Maternity

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Home birth	YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8	No verified information	not comparable
Breastfeeding allowance	CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 5	equal
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

All products in “Maternity” compared

Cures and recovery

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Spa cure (per day)	CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4	CHF 30Source: ZB Completa Forte (VVG), edition 2027, p. 5	Atupri Mivita Reala better
Recovery stay (per day)	CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4	CHF 20Source: ZB Completa Forte (VVG), edition 2027, p. 5	Atupri Mivita Reala better
Maximum cure days per year	10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4	30Source: ZB Completa Forte (VVG), edition 2027, p. 5	SWICA Completa Forte better

All products in “Cures and recovery” compared

Home help

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Daily cap	CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6	CHF 30Source: ZB Completa Forte (VVG), edition 2027, p. 5	Atupri Mivita Reala better
Maximum number of days	30Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6	60Source: ZB Completa Forte (VVG), edition 2027, p. 5	SWICA Completa Forte better
Home nursing (per day)	CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11	No verified information	not comparable

All products in “Home help” compared

Psychotherapy

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Coverage (percent)	60%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7	90%Source: ZB Completa Forte (VVG), edition 2027, p. 5	SWICA Completa Forte better
Annual cap	CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7	No verified information	not comparable
Therapist requirements	Psychologists and other professionals with a cantonal licence for independent practice or membership of SPV, SBAP or FSP.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7	No verified information	not comparable
Maximum sessions per year	No verified information	60Source: ZB Completa Forte (VVG), edition 2027, p. 5	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	Atupri Mivita Reala	SWICA Completa Forte	Result
Minimum contract duration in years	1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4	No verified information	not comparable
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	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	No verified information	not comparable
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	No verified information	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	Not coveredSource: ZB Completa Forte (VVG), edition 2027, p. 8	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.