Home Supplementary insurance at a glance Atupri Mivita Reala vs. SWICA Optima: benefits compared Atupri Mivita Reala vs. SWICA Optima: benefits compared
Direct comparison of Atupri Mivita Reala and SWICA Optima in 9 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 5 features, SWICA Optima on 5; both are equal on 4.
Outpatient
Feature
Atupri Mivita Reala
SWICA Optima
Result Sterilisation
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9 CHF 700 Source: ZB Optima (VVG), edition 2027, p. 4 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 1’000 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
SWICA Optima
Result Coverage (percent)
50% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Annual cap
CHF 1’500 Source: 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 performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods). Source: ZB Optima (VVG), edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
Atupri Mivita Reala
SWICA Optima
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 Optima (VVG), edition 2027, p. 5 SWICA Optima better Medical aids: annual cap
CHF 750 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 300 Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 Atupri Mivita Reala better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
Atupri Mivita Reala
SWICA Optima
Result Contribution for adults
CHF 300 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 300 Source: ZB Optima (VVG), edition 2027, p. 5 equal Period for adults in months
12 months Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 36 months Source: ZB Optima (VVG), edition 2027, p. 5 Atupri Mivita Reala better
All products in “Glasses and contact lenses” compared
Prevention
Feature
Atupri Mivita Reala
SWICA Optima
Result Vaccinations (percent)
90% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 90% Source: ZB Optima (VVG), edition 2027, p. 4 equal Health check-up
CHF 200 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 Unlimited Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better Coverage (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Annual cap
No verified information CHF 300 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Gynaecological screening (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Prevention” compared
Cures and recovery
Feature
Atupri Mivita Reala
SWICA Optima
Result Spa cure (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 30 Source: ZB Optima (VVG), edition 2027, p. 4 Atupri Mivita Reala better Recovery stay (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 30 Source: ZB Optima (VVG), edition 2027, p. 4 Atupri Mivita Reala better Maximum cure days per year
10 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 30 Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better
All products in “Cures and recovery” compared
Psychotherapy
Feature
Atupri Mivita Reala
SWICA Optima
Result Coverage (percent)
60% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable Annual cap
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 CHF 1’500 Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better 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 Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Maximum sessions per year
No verified information 60 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
Atupri Mivita Reala
SWICA Optima
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 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 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 Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Other notable benefits
No verified information Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad. Source: ZB Optima (VVG), edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.