Helsana COMPLETA vs. KPT Pulse Pulse Top: benefits compared
Direct comparison of Helsana COMPLETA and KPT Pulse Pulse Top in 7 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA is better on 2 features, KPT Pulse Pulse Top on 2; both are equal on 5.
Alternative medicine
| Feature |
Helsana COMPLETA |
KPT Pulse Pulse Top |
Result |
|---|
| Coverage (percent) |
75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 |
75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 |
equal |
|---|
| Annual cap |
No verified information |
CHF 2’000Source: 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 250Source: 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 listSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 |
not comparable |
|---|
All products in “Alternative medicine” compared
Medicines and medical aids
| Feature |
Helsana COMPLETA |
KPT Pulse Pulse Top |
Result |
|---|
| Medicines outside the SL (percent) |
90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 |
90%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 |
equal |
|---|
| Medical aids (percent) |
90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 |
No verified information |
not comparable |
|---|
| Medical aids: annual cap |
CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 |
CHF 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 |
Helsana COMPLETA better |
|---|
| Hearing aids: cap |
CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 |
No verified information |
not comparable |
|---|
| Medicines outside the SL: maximum |
No verified information |
CHF 50’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 |
not comparable |
|---|
All products in “Medicines and medical aids” compared
Prevention
| Feature |
Helsana COMPLETA |
KPT Pulse Pulse Top |
Result |
|---|
| Coverage (percent) |
90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 |
75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 |
Helsana COMPLETA better |
|---|
| Annual cap |
CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 |
CHF 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 |
KPT Pulse Pulse Top better |
|---|
| Vaccinations (percent) |
90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 |
100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 |
KPT Pulse Pulse Top better |
|---|
| Vaccinations: annual cap |
No verified information |
CHF 400Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 |
not comparable |
|---|
| Health check-up |
No verified information |
CHF 2’000Source: 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 |
KPT Pulse Pulse Top |
Result |
|---|
| Minimum contract duration in years |
1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 |
1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 |
equal |
|---|
| Cancellation notice in months |
3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 |
3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 |
equal |
|---|
| Insurer does not cancel after a claim |
YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 |
YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 |
equal |
|---|
| Premium and age |
Premiums by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: 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 |
|---|
| 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 Top, edition 2027, p. 1 |
not comparable |
|---|
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.