Atupri Spital Spital Opti 1 vs. EGK EGK-SUN EGK-SUN-Flex: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and EGK EGK-SUN EGK-SUN-Flex in 3 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-SUN EGK-SUN-Flex on 3; both are equal on 6.
- Atupri Spital Spital Opti 1
- EGK EGK-SUN EGK-SUN-Flex
- Compare with other products
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Hospital
| Feature | Atupri Spital Spital Opti 1 | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | YesSource: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | EGK EGK-SUN EGK-SUN-Flex better |
| Ward choice at admission | YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | equal |
| Cost share semi-private (percent) | 40%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | 15%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | EGK EGK-SUN EGK-SUN-Flex better |
| Cost share private (percent) | 50%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | 25%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | EGK EGK-SUN EGK-SUN-Flex better |
| Maximum cost share per year | CHF 8’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | 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: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | equal |
| Rooming-in (per day) | CHF 50Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Ward | General, semi-private or private ward of the insured's choice, with corresponding cost share.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | Ward class chosen by the insured before the stay (general, semi-private or private)Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | not comparable |
Maternity
| Feature | Atupri Spital Spital Opti 1 | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Birth centre | No verified information | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Opti 1 | EGK EGK-SUN EGK-SUN-Flex | 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 | 60Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | Atupri Spital Spital Opti 1 better |
| 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 | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9 | equal |
| 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 | No verified information | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
| Suspension possible | No verified information | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10 | not comparable |
| Accident cover included | No verified information | Not coveredSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.