Atupri Mivita Reala vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of Atupri Mivita Reala and SWICA Hospita Hospita Allgemein in 5 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 3 features, SWICA Hospita Hospita Allgemein on 2; both are equal on 4.
- Atupri Mivita Reala
- SWICA Hospita Hospita Allgemein
- Compare with other products
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Maternity
| Feature | Atupri Mivita Reala | SWICA Hospita Hospita Allgemein | 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 | 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 |
| Waiting period in months | No verified information | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Rescue and transport
| Feature | Atupri Mivita Reala | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Transport cost cap | CHF 20’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | equal |
| Rescue cost cap | No verified information | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
Cures and recovery
| Feature | Atupri Mivita Reala | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | Atupri Mivita Reala better |
| Recovery stay (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | Atupri Mivita Reala better |
| Maximum cure days per year | 10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | SWICA Hospita Hospita Allgemein better |
Home help
| Feature | Atupri Mivita Reala | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Daily cap | CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 | No verified information | not comparable |
| Maximum number of days | 30Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 | 60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | SWICA Hospita Hospita Allgemein better |
| Home nursing (per day) | CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | Atupri Mivita Reala better |
Contract terms
| Feature | Atupri Mivita Reala | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| 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 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | 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 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | 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 | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.