Home Supplementary insurance at a glance Atupri Mivita Reala vs. Visana Ambulant Ambulant III: benefits compared Atupri Mivita Reala vs. Visana Ambulant Ambulant III: benefits compared
Direct comparison of Atupri Mivita Reala and Visana Ambulant Ambulant III in 7 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 0 features, Visana Ambulant Ambulant III on 4; both are equal on 3.
Medicines and medical aids
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
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 III better Medical aids: annual cap
CHF 750 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable Medicines outside the SL: maximum
No verified information Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
Result Contribution for adults
CHF 300 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable Period for adults in months
12 months Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 No verified information not comparable Period for children in months
No verified information 12 months Source: 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 18 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable
All products in “Glasses and contact lenses” compared
Prevention
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
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 200 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 600 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant III 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 Unlimited Source: 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
All products in “Prevention” compared
Travel abroad
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 equal Planned treatment abroad
Not covered Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable 24h emergency line and assistance
Yes Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 No verified information not comparable Trip cancellation costs
CHF 5’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 No verified information not comparable Maximum trip duration in days
No verified information 56 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable
All products in “Travel abroad” compared
Psychotherapy
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
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 5’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant III 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 Therapist needs a cantonal licence to practise psychotherapy under the Psychology Professions Act (PsyG) and must not be able to bill the mandatory insurance; therapy must treat an illness Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
Atupri Mivita Reala
Visana Ambulant Ambulant III
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 No verified information not comparable Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 No verified information not comparable 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 Yes Source: 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 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable Accident cover included
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.