Helsana TOP vs. Visana Ambulant Ambulant III: benefits compared

Direct comparison of Helsana TOP and Visana Ambulant Ambulant III in 3 categories. All values come from the policy terms and are backed by their source.

Helsana TOP is better on 0 features, Visana Ambulant Ambulant III on 0; both are equal on 3.

Medicines and medical aids

Feature	Helsana TOP	Visana Ambulant Ambulant III	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 1’000Source: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2	No verified information	not comparable
Medicines outside the SL: maximum	No verified information	UnlimitedSource: 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 III	Result
Worldwide validity	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4	equal
Planned treatment abroad	Not coveredSource: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 10	No verified information	not comparable
Visit trip for a close relative	YesSource: ZVB TOP, Ausgabe 1. Januar 2021, edition 2027, p. 2	No verified information	not comparable
Maximum trip duration in days	No verified information	56Source: 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 III	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 (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. 4xSource: 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	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	not comparable
Accident cover included	No verified information	YesSource: 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.