Home Supplementary insurance at a glance EGK EGK-SUN EGK-SUN 3 (Allgemein) vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared EGK EGK-SUN EGK-SUN 3 (Allgemein) vs. KPT Spital-Zusatzversicherung Flex Flex Top: benefits compared
Direct comparison of EGK EGK-SUN EGK-SUN 3 (Allgemein) and KPT Spital-Zusatzversicherung Flex Flex Top in 5 categories. All values come from the policy terms and are backed by their source.
EGK EGK-SUN EGK-SUN 3 (Allgemein) is better on 1 features, KPT Spital-Zusatzversicherung Flex Flex Top on 2; both are equal on 4.
Hospital
Feature
EGK EGK-SUN EGK-SUN 3 (Allgemein)
KPT Spital-Zusatzversicherung Flex Flex Top
Result Free hospital choice across Switzerland
Yes Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 No verified information not comparable Psychiatric clinic: maximum days
90 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 90 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 equal Ward
General ward in hospital Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 General, semi-private or private ward, chosen before admission Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable Ward choice at admission
No verified information Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable Maximum cost share per year
No verified information CHF 4’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2 not comparable Rooming-in (per day)
No verified information CHF 50 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3 not comparable
All products in “Hospital” compared
Contract terms
Feature
EGK EGK-SUN EGK-SUN 3 (Allgemein)
KPT Spital-Zusatzversicherung Flex Flex Top
Result Minimum contract duration in years
1 Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, 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/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Maximum entry age
60 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Family discount
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9 No verified information not comparable Upgrade without a health check
Not covered Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5 Yes Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 KPT Spital-Zusatzversicherung Flex Flex Top better Suspension possible
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10 No verified information not comparable Accident cover included
Not covered Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 No verified information not comparable Premium and age
No verified information 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.