Helsana PRIMEO vs. KPT Pulse Pulse Top: benefits compared

Direct comparison of Helsana PRIMEO and KPT Pulse Pulse Top in 3 categories. All values come from the policy terms and are backed by their source.

Helsana PRIMEO is better on 1 features, KPT Pulse Pulse Top on 1; both are equal on 4.

Medicines and medical aids

Feature	Helsana PRIMEO	KPT Pulse Pulse Top	Result
Medical aids: annual cap	CHF 5’000Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2	CHF 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1	Helsana PRIMEO better
Medicines outside the SL (percent)	No verified information	90%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2	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 PRIMEO	KPT Pulse Pulse Top	Result
Health check-up	CHF 1’700Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2	CHF 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2	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 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2	not comparable
Vaccinations (percent)	No verified information	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1	not comparable
Vaccinations: annual cap	No verified information	CHF 400Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1	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 PRIMEO	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
Accident cover included	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1	equal
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
Premium and age	No verified information	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

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.