Helsana PRIMEO vs. Visana Ambulant VIVA Ambulant VIVA I: benefits compared
Direct comparison of Helsana PRIMEO and Visana Ambulant VIVA Ambulant VIVA I in 3 categories. All values come from the policy terms and are backed by their source.
Helsana PRIMEO is better on 1 features, Visana Ambulant VIVA Ambulant VIVA I on 0; both are equal on 1.
- Helsana PRIMEO
- Visana Ambulant VIVA Ambulant VIVA I
- Compare with other products
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Medicines and medical aids
| Feature | Helsana PRIMEO | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Medical aids: annual cap | CHF 5’000Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 | No verified information | not comparable |
| Medicines outside the SL: maximum | No verified information | CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | not comparable |
Prevention
| Feature | Helsana PRIMEO | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Health check-up | CHF 1’700Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 | CHF 200Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Helsana PRIMEO better |
| Vaccinations (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 100Source: 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 |
Contract terms
| Feature | Helsana PRIMEO | Visana Ambulant VIVA Ambulant VIVA I | 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 |
| Accident cover included | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | No verified information | not comparable |
| 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.