Home Supplementary insurance at a glance Helsana COMPLETA vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared Helsana COMPLETA vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of Helsana COMPLETA and Visana Ambulant VIVA Ambulant VIVA II in 4 categories. All values come from the policy terms and are backed by their source.
Helsana COMPLETA is better on 1 features, Visana Ambulant VIVA Ambulant VIVA II on 0; both are equal on 7.
Medicines and medical aids
Feature
Helsana COMPLETA
Visana Ambulant VIVA Ambulant VIVA II
Result Medicines outside the SL (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 No verified information not comparable Medical aids (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 equal Medical aids: annual cap
CHF 1’500 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CHF 1’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Helsana COMPLETA better Hearing aids: cap
CHF 1’500 Source: 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 Unlimited Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Dental care
Feature
Helsana COMPLETA
Visana Ambulant VIVA Ambulant VIVA II
Result Orthodontics for children
Yes Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 equal Orthodontics: maximum amount
CHF 10’000 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CHF 10’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 equal Orthodontics up to age
20 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 No verified information not comparable Wisdom teeth removal
Yes Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 equal Coverage (percent)
No verified information 25% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 500 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Dental care” compared
Prevention
Feature
Helsana COMPLETA
Visana Ambulant VIVA Ambulant VIVA II
Result Coverage (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Annual cap
CHF 750 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 No verified information not comparable Vaccinations (percent)
90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Vaccinations: annual cap
No verified information CHF 200 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Health check-up
No verified information CHF 300 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Gynaecological screening (percent)
No verified information 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable
All products in “Prevention” compared
Contract terms
Feature
Helsana COMPLETA
Visana Ambulant VIVA Ambulant VIVA II
Result Minimum contract duration in years
1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 No verified information not comparable Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 No verified information not comparable 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 Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 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-old Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium. Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 not comparable Family discount
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable Only with basic insurance at the same insurer
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable Prerequisite
No verified information Requires the mandatory basic insurance VIVA-Gesundheitsplan. Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable Notable exclusions
No verified information Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment. Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Other notable benefits
No verified information Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service). Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.