Atupri Spital Spital Privat vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of Atupri Spital Spital Privat and KPT Pulse Pulse Premium in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Privat is better on 0 features, KPT Pulse Pulse Premium on 1; both are equal on 3.
- Atupri Spital Spital Privat
- KPT Pulse Pulse Premium
- Compare with other products
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Maternity
| Feature | Atupri Spital Spital Privat | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | Atupri Spital Spital Privat | KPT Pulse Pulse Premium | 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 ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Privat | KPT Pulse Pulse Premium | 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 | Premiums are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 5 | 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 |
| Accident cover included | No verified information | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Legal protection
| Feature | Atupri Spital Spital Privat | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 300’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | KPT Pulse Pulse Premium better |
| Legal protection abroad per case | CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.