Home Supplementary insurance at a glance Helsana COMPLETA PLUS vs. KPT Pulse Pulse Top: benefits compared Helsana COMPLETA PLUS vs. KPT Pulse Pulse Top: benefits compared
Direct comparison of Helsana COMPLETA PLUS and KPT Pulse Pulse Top in 4 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA PLUS is better on 1 features, KPT Pulse Pulse Top on 3; both are equal on 4.
Alternative medicine
Feature
Helsana COMPLETA PLUS
KPT Pulse Pulse Top
Result Annual cap
CHF 500 Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Top better Coverage (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable Natural remedies (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable Natural remedies: annual cap
No verified information CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable Therapist requirements
No verified information Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Glasses and contact lenses
Feature
Helsana COMPLETA PLUS
KPT Pulse Pulse Top
Result Contribution for adults
CHF 200 Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Period for adults in months
12 months Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1 36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 Helsana COMPLETA PLUS better Laser eye surgery
CHF 500 Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1 No verified information not comparable
All products in “Glasses and contact lenses” compared
Prevention
Feature
Helsana COMPLETA PLUS
KPT Pulse Pulse Top
Result Vaccinations (percent)
90% Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Coverage (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable Vaccinations: annual cap
No verified information CHF 400 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 not comparable Health check-up
No verified information CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable Gynaecological screening (percent)
No verified information 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 not comparable
All products in “Prevention” compared
Contract terms
Feature
Helsana COMPLETA PLUS
KPT Pulse Pulse Top
Result Minimum contract duration in years
1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Suspension possible
Yes Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2 No verified information not comparable Accident cover included
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 equal Prerequisite
Requires the COMPLETA supplementary insurance; COMPLETA PLUS lapses automatically when COMPLETA ends. Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2 The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP). Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 not comparable Premium and age
Premiums by 5-year age groups up to 91+; premiums for over-65s max 3x and over-70s max 4x the premium of a 30-year-old. Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 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 Top, edition 2027, p. 5 not comparable Notable exclusions
Pre-existing illnesses and accidents, cosmetic treatments and dental treatments (unless explicitly covered) are excluded; no benefits for treatments begun before insurance start. Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.