Home Supplementary insurance at a glance Atupri Spital Spital Opti 2 vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared Atupri Spital Spital Opti 2 vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared
Direct comparison of Atupri Spital Spital Opti 2 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 Opti 2 is better on 0 features, KPT Spital-Zusatzversicherung Flex Flex Top on 1; both are equal on 7.
Hospital
Feature
Atupri Spital Spital Opti 2
KPT Spital-Zusatzversicherung Flex Flex Top
Result Free hospital choice across Switzerland
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable Ward choice at admission
Yes Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 equal Cost share semi-private (percent)
20% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Cost share private (percent)
30% Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 No verified information not comparable Maximum cost share per year
CHF 4’000 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 CHF 4’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 equal Coverage in non-listed hospitals
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable Psychiatric clinic: maximum days
90 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 90 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 equal Rooming-in (per day)
CHF 50 Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 CHF 50 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 equal 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 General, semi-private or private ward, chosen before admission Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable
All products in “Hospital” compared
Travel abroad
Feature
Atupri Spital Spital Opti 2
KPT Spital-Zusatzversicherung Flex Flex Top
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 No verified information not comparable Planned treatment abroad
Not covered Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 No verified information not comparable Maximum trip duration in days
No verified information 56 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable Trip cancellation costs
No verified information CHF 20’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable
All products in “Travel abroad” compared
Contract terms
Feature
Atupri Spital Spital Opti 2
KPT Spital-Zusatzversicherung Flex Flex Top
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Family discount
Yes Source: 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 Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.