Atupri Spital Spital Opti 1 vs. EGK EGK-ASSISTANCE: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and EGK EGK-ASSISTANCE in 2 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 1 is better on 1 features, EGK EGK-ASSISTANCE on 0; both are equal on 4.
- Atupri Spital Spital Opti 1
- EGK EGK-ASSISTANCE
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Travel abroad
| Feature | Atupri Spital Spital Opti 1 | EGK EGK-ASSISTANCE | Result |
|---|---|---|---|
| Emergency cover cap | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | Not coveredSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 6 | Atupri Spital Spital Opti 1 better |
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | equal |
| Planned treatment abroad | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| 24h emergency line and assistance | No verified information | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | not comparable |
| Visit trip for a close relative | No verified information | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Opti 1 | EGK EGK-ASSISTANCE | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 1Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 3 monthsSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | equal |
| Maximum entry age | 70Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | 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/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | 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 | No verified information | 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 | Child-minding service up to 30 hours per policy and calendar year in Switzerland; hospital cost advance up to CHF 5000 abroad; extra costs after document theft up to CHF 2000 per event; unforeseen expenses up to CHF 750 per person.Source: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.