Helsana HOSPITAL Privat Privat vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of Helsana HOSPITAL Privat Privat and Visana Ambulant VIVA Ambulant VIVA III in 3 categories. All values come from the policy terms and are backed by their source.
Helsana HOSPITAL Privat Privat is better on 1 features, Visana Ambulant VIVA Ambulant VIVA III on 0; both are equal on 2.
- Helsana HOSPITAL Privat Privat
- Visana Ambulant VIVA Ambulant VIVA III
- Compare with other products
- Have your own policy checked: order the report
Maternity
| Feature | Helsana HOSPITAL Privat Privat | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 | No verified information | not comparable |
| Home birth | YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 | No verified information | not comparable |
| Birth centre | YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 300Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Home help
| Feature | Helsana HOSPITAL Privat Privat | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Daily cap | CHF 200Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 | CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Helsana HOSPITAL Privat Privat better |
| Maximum number of days | 30Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 | 30Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
Contract terms
| Feature | Helsana HOSPITAL Privat Privat | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: 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 monthsSource: 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 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | YesSource: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| Family discount | No verified information | YesSource: 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 | YesSource: 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 |
| Premium and age | No verified information | 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 |
| 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.