Home Supplementary insurance at a glance KPT Pulse Pulse Premium vs. KPT Pulse Pulse Top: benefits compared KPT Pulse Pulse Premium vs. KPT Pulse Pulse Top: benefits compared
Direct comparison of KPT Pulse Pulse Premium and KPT Pulse Pulse Top in 10 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Premium is better on 10 features, KPT Pulse Pulse Top on 0; both are equal on 15.
Alternative medicine
Feature
KPT Pulse Pulse Premium
KPT Pulse Pulse Top
Result Coverage (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 equal Annual cap
CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Premium better Natural remedies (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 equal Natural remedies: annual cap
CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Premium better Therapist requirements
Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
KPT Pulse Pulse Premium
KPT Pulse Pulse Top
Result Medicines outside the SL (percent)
90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 equal Medicines outside the SL: maximum
CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 equal Medical aids: annual cap
CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 300 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Premium better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
KPT Pulse Pulse Premium
KPT Pulse Pulse Top
Result Contribution for adults
CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Premium better Period for adults in months
36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 equal Laser eye surgery
CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 No verified information not comparable
All products in “Glasses and contact lenses” compared
Prevention
Feature
KPT Pulse Pulse Premium
KPT Pulse Pulse Top
Result Coverage (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 equal Annual cap
CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 KPT Pulse Pulse Premium better Vaccinations (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 equal Vaccinations: annual cap
CHF 800 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 400 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Premium better Health check-up
CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 KPT Pulse Pulse Premium better Gynaecological screening (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 equal
All products in “Prevention” compared
Contract terms
Feature
KPT Pulse Pulse Premium
KPT Pulse Pulse Top
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 equal Prerequisite
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 The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP). Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 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 Premium, edition 2027, p. 5 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 Top, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.