EGK EGK-SUN EGK-SUN 1 (Privat) vs. KPT Spital-Zusatzversicherung Halbprivat: benefits compared

Direct comparison of EGK EGK-SUN EGK-SUN 1 (Privat) and KPT Spital-Zusatzversicherung Halbprivat in 6 categories. All values come from the policy terms and are backed by their source.

EGK EGK-SUN EGK-SUN 1 (Privat) is better on 1 features, KPT Spital-Zusatzversicherung Halbprivat on 3; both are equal on 4.

Hospital

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Free hospital choice across Switzerland	YesSource: Leistungsübersicht EGK-SUN, edition 2027, p. 2	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	equal
Psychiatric clinic: maximum days	90Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	720Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	KPT Spital-Zusatzversicherung Halbprivat better
Ward	Private ward (1-bed room) in hospitalSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	Semi-private ward (Halbprivat); services of the insured classSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	not comparable

All products in “Hospital” compared

Maternity

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Birth centre	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Home birth	No verified information	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	not comparable

All products in “Maternity” compared

Travel abroad

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Maximum trip duration in days	UnlimitedSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	56Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4	EGK EGK-SUN EGK-SUN 1 (Privat) better
Trip cancellation costs	No verified information	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4	not comparable

All products in “Travel abroad” compared

Rescue and transport

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Transport cost cap	CHF 100’000Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	No verified information	not comparable
Rescue cost cap	No verified information	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	not comparable
Repatriation to Switzerland	No verified information	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	not comparable

All products in “Rescue and transport” compared

Cures and recovery

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Spa cure (per day)	CHF 100Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Recovery stay (per day)	CHF 100Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Maximum cure days per year	21Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	KPT Spital-Zusatzversicherung Halbprivat better

All products in “Cures and recovery” compared

Contract terms

Feature	EGK EGK-SUN EGK-SUN 1 (Privat)	KPT Spital-Zusatzversicherung Halbprivat	Result
Minimum contract duration in years	1Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	equal
Cancellation notice in months	3 monthsSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	equal
Maximum entry age	60Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	equal
Family discount	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9	No verified information	not comparable
Suspension possible	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10	No verified information	not comparable
Accident cover included	Not coveredSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1	KPT Spital-Zusatzversicherung Halbprivat better
Premium and age	No verified information	Premium is tiered by age; moving to a higher age band usually raises the premium on 1 January; bands differ for entry up to age 50 and from 51Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 5	not comparable
Other notable benefits	No verified information	Inpatient rehabilitation with full cost coverage in the insured ward for up to 60 days within 5 calendar years; hospital services abroad: full coverage in Europe/Mediterranean, up to CHF 50,000 rest of worldSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.