Home Supplementary insurance at a glance Helsana TOP vs. Visana Ambulant Ambulant II: benefits compared Helsana TOP vs. Visana Ambulant Ambulant II: benefits compared
Direct comparison of Helsana TOP and Visana Ambulant Ambulant II in 4 categories. All values come from the policy terms and are backed by their source.
Helsana TOP is better on 0 features, Visana Ambulant Ambulant II on 0; both are equal on 5.
Medicines and medical aids
Feature
Helsana TOP
Visana Ambulant Ambulant II
Result Medical aids (percent)
90% Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 equal Medical aids: annual cap
CHF 1’000 Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 CHF 1’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 equal Medicines outside the SL: maximum
No verified information Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Travel abroad
Feature
Helsana TOP
Visana Ambulant Ambulant II
Result Worldwide validity
Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 equal Planned treatment abroad
Not covered Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 10 No verified information not comparable Visit trip for a close relative
Yes Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2 No verified information not comparable Maximum trip duration in days
No verified information 56 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable
All products in “Travel abroad” compared
Contract terms
Feature
Helsana TOP
Visana Ambulant Ambulant II
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 (VVG), gültig ab 01.01.2022, edition 2027, p. 3 equal Premium and age
Premiums by 5-year age groups up to 91+; for over 65s max. 3x the premium of a 30-year-old, for over 70s max. 4x Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January. Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 not comparable Family discount
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable Accident cover included
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable Other notable benefits
No verified information Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland. Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.