Atupri Mivita Reala vs. Visana Spital VIVA Spital VIVA Allgemein: benefits compared
Direct comparison of Atupri Mivita Reala and Visana Spital VIVA Spital VIVA Allgemein in 2 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 1 features, Visana Spital VIVA Spital VIVA Allgemein on 1; both are equal on 0.
- Atupri Mivita Reala
- Visana Spital VIVA Spital VIVA Allgemein
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Cures and recovery
| Feature | Atupri Mivita Reala | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 50Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | Atupri Mivita Reala better |
| Recovery stay (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Maximum cure days per year | 10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 28Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | Visana Spital VIVA Spital VIVA Allgemein better |
Contract terms
| Feature | Atupri Mivita Reala | Visana Spital VIVA Spital VIVA Allgemein | 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 | 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 | Premium age bands 0-18, 19-25, 26-30, then 5-year groups from 31; last group reached at 86; change on 1 January usually raises premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, 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 |
| Accident cover included | No verified information | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA Gesundheitsplan (Visana).Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.