Atupri Mivita Reala vs. Visana Ambulant Ambulant II: benefits compared
Direct comparison of Atupri Mivita Reala and Visana Ambulant Ambulant II in 7 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 1 features, Visana Ambulant Ambulant II on 3; both are equal on 4.
- Atupri Mivita Reala
- Visana Ambulant Ambulant II
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Medicines and medical aids
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | 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 Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | Visana Ambulant Ambulant II better |
| Medical aids: annual cap | CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | Visana Ambulant Ambulant II better |
| Medicines outside the SL: maximum | No verified information | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | not comparable |
Glasses and contact lenses
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | Result |
|---|---|---|---|
| Contribution for adults | CHF 300Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | not comparable |
| Period for adults in months | 12 monthsSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 36 monthsSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | Atupri Mivita Reala better |
| Period for children in months | No verified information | 12 monthsSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | not comparable |
| Children's rule applies up to age | No verified information | 18Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 | not comparable |
Prevention
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | equal |
| Health check-up | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 300Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | Visana Ambulant Ambulant II better |
| Coverage (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 200Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
Maternity
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | 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 |
| Birth preparation amount | No verified information | CHF 300Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
Travel abroad
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 | equal |
| 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 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
Rescue and transport
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | Result |
|---|---|---|---|
| Transport cost cap | CHF 20’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 20’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | equal |
| Rescue cost cap | No verified information | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | Visana Ambulant Ambulant II | 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 | No verified information | not comparable |
| 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 Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | 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 | Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | 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 |
| Family discount | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Accident cover included | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Other notable benefits | No verified information | Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland.Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.