Atupri Spital Spital Allgemein vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of Atupri Spital Spital Allgemein and SWICA Hospita Hospita Allgemein in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Allgemein is better on 0 features, SWICA Hospita Hospita Allgemein on 1; both are equal on 3.
- Atupri Spital Spital Allgemein
- SWICA Hospita Hospita Allgemein
- Compare with other products
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Hospital
| Feature | Atupri Spital Spital Allgemein | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | SWICA Hospita Hospita Allgemein better |
| 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 | No verified information | not comparable |
| 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 ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | not comparable |
| Acute hospital: maximum days | No verified information | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
Maternity
| Feature | Atupri Spital Spital Allgemein | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Newborns without health check | YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Waiting period in months | No verified information | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Allgemein | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | 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 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | 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 | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | 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 | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.