Home Supplementary insurance at a glance Helsana PRIMEO vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared Helsana PRIMEO vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of Helsana PRIMEO and Visana Ambulant VIVA Ambulant VIVA III in 4 categories. All values come from the policy terms and are backed by their source.
Helsana PRIMEO is better on 2 features, Visana Ambulant VIVA Ambulant VIVA III on 0; both are equal on 3.
Medicines and medical aids
Feature
Helsana PRIMEO
Visana Ambulant VIVA Ambulant VIVA III
Result Medical aids: annual cap
CHF 5’000 Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 CHF 2’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Helsana PRIMEO better 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 Medical aids (percent)
No verified information 90% 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
Prevention
Feature
Helsana PRIMEO
Visana Ambulant VIVA Ambulant VIVA III
Result Health check-up
CHF 1’700 Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 CHF 600 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 Helsana PRIMEO better Coverage (percent)
No verified information 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable 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 Unlimited 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
Home help
Feature
Helsana PRIMEO
Visana Ambulant VIVA Ambulant VIVA III
Result Daily cap
CHF 100 Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 CHF 100 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Maximum number of days
30 Source: ZVB PRIMEO, Ausgabe 1. Januar 2025, edition 2027, p. 2 30 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal
All products in “Home help” compared
Contract terms
Feature
Helsana PRIMEO
Visana Ambulant VIVA Ambulant VIVA III
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 Accident cover included
Yes Source: 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 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 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.