Home Supplementary insurance at a glance KPT Pulse Pulse Eco vs. SWICA Optima: benefits compared KPT Pulse Pulse Eco vs. SWICA Optima: benefits compared
Direct comparison of KPT Pulse Pulse Eco and SWICA Optima in 4 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Eco is better on 2 features, SWICA Optima on 1; both are equal on 2.
Medicines and medical aids
Feature
KPT Pulse Pulse Eco
SWICA Optima
Result Medicines outside the SL (percent)
90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 No verified information not comparable Medicines outside the SL: maximum
CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 No verified information not comparable Medical aids: annual cap
CHF 150 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 CHF 300 Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 SWICA Optima better Medical aids (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 5 not comparable
All products in “Medicines and medical aids” compared
Prevention
Feature
KPT Pulse Pulse Eco
SWICA Optima
Result Vaccinations (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 90% Source: ZB Optima (VVG), edition 2027, p. 4 KPT Pulse Pulse Eco better Vaccinations: annual cap
CHF 200 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 No verified information not comparable Gynaecological screening (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 90% Source: ZB Optima (VVG), edition 2027, p. 4 KPT Pulse Pulse Eco better Coverage (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Annual cap
No verified information CHF 300 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Health check-up
No verified information Unlimited Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Prevention” compared
Contract terms
Feature
KPT Pulse Pulse Eco
SWICA Optima
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Cancellation notice in months
3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 No verified information not comparable Prerequisite
The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP). Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 No verified information not comparable Premium and age
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 Eco, edition 2027, p. 3 No verified information not comparable Notable exclusions
No verified information Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Other notable benefits
No verified information Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad. Source: ZB Optima (VVG), edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.