Helsana SANA vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of Helsana SANA and KPT Pulse Pulse Premium in 5 categories. All values come from the policy terms and are backed by their source.
Helsana SANA is better on 0 features, KPT Pulse Pulse Premium on 3; both are equal on 5.
Alternative medicine
| Feature |
Helsana SANA |
KPT Pulse Pulse Premium |
Result |
|---|
| Coverage (percent) |
75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 |
75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 |
equal |
|---|
| Annual cap |
No verified information |
CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 |
not comparable |
|---|
| Natural remedies (percent) |
No verified information |
75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 |
not comparable |
|---|
| Natural remedies: annual cap |
No verified information |
CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 |
not comparable |
|---|
| Therapist requirements |
No verified information |
Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT listSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 |
not comparable |
|---|
All products in “Alternative medicine” compared
Prevention
| Feature |
Helsana SANA |
KPT Pulse Pulse Premium |
Result |
|---|
| Coverage (percent) |
75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 |
75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 |
equal |
|---|
| Annual cap |
CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 |
CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 |
KPT Pulse Pulse Premium better |
|---|
| Vaccinations (percent) |
75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 |
100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 |
KPT Pulse Pulse Premium better |
|---|
| Vaccinations: annual cap |
No verified information |
CHF 800Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 |
not comparable |
|---|
| Health check-up |
No verified information |
CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 |
not comparable |
|---|
| Gynaecological screening (percent) |
No verified information |
100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 |
not comparable |
|---|
All products in “Prevention” compared
Contract terms
| Feature |
Helsana SANA |
KPT Pulse Pulse Premium |
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 |
|---|
| Premium and age |
Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 |
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 Premium, edition 2027, p. 5 |
not comparable |
|---|
| Notable exclusions |
Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 |
No verified information |
not comparable |
|---|
| Other notable benefits |
Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 |
No verified information |
not comparable |
|---|
| Accident cover included |
No verified information |
YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 |
not comparable |
|---|
| 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 Premium, edition 2027, p. 1 |
not comparable |
|---|
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.