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Atupri Spital Spital Allgemein vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared

Direct comparison of Atupri Spital Spital Allgemein and KPT Spital-Zusatzversicherung Flex Flex Top in 5 categories. All values come from the policy terms and are backed by their source.

Atupri Spital Spital Allgemein is better on 0 features, KPT Spital-Zusatzversicherung Flex Flex Top on 1; both are equal on 4.

Hospital

Feature Atupri Spital Spital Allgemein KPT Spital-Zusatzversicherung Flex Flex Top Result
Free hospital choice across Switzerland Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
Cost share (percent) 0%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable
Coverage in non-listed hospitals Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
Psychiatric clinic: maximum days 90Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 90Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 equal
Ward General ward (allgemeine Abteilung): multi-bed room at the tariff recognised by Atupri.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable
Ward choice at admission No verified information YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable
Maximum cost share per year No verified information CHF 4’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable
Rooming-in (per day) No verified information CHF 50Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 not comparable

All products in “Hospital” compared

Maternity

Feature Atupri Spital Spital Allgemein KPT Spital-Zusatzversicherung Flex Flex Top Result
Newborns without health check YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable
Home birth No verified information YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 not comparable

All products in “Maternity” compared

Travel abroad

Feature Atupri Spital Spital Allgemein KPT Spital-Zusatzversicherung Flex Flex Top Result
Worldwide validity YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 No verified information not comparable
Planned treatment abroad Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
Maximum trip duration in days No verified information 56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable
Trip cancellation costs No verified information CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable

All products in “Travel abroad” compared

Contract terms

Feature Atupri Spital Spital Allgemein KPT Spital-Zusatzversicherung Flex Flex Top Result
Minimum contract duration in years 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal
Cancellation notice in months 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal
Insurer does not cancel after a claim YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal
Family discount YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 No verified information not comparable
Premium and age Premium is based on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70 is reached.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 Premium is age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 7 not comparable
Notable exclusions Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
Other notable benefits Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable
Upgrade without a health check No verified information YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable

All products in “Contract terms” compared

Feature Atupri Spital Spital Allgemein KPT Spital-Zusatzversicherung Flex Flex Top Result
Patient legal protection per case CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 No verified information not comparable
Legal protection abroad per case CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 CHF 300’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 KPT Spital-Zusatzversicherung Flex Flex Top better

All products in “Legal protection” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.

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