KPT Pulse Pulse Premium vs. SWICA Completa Forte: benefits compared

Direct comparison of KPT Pulse Pulse Premium and SWICA Completa Forte in 7 categories. All values come from the policy terms and are backed by their source.

KPT Pulse Pulse Premium is better on 3 features, SWICA Completa Forte on 3; both are equal on 2.

Outpatient

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Sterilisation	CHF 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 5	KPT Pulse Pulse Premium better
Ear correction for children	No verified information	CHF 1’500Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

All products in “Outpatient” compared

Alternative medicine

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Coverage (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	90%Source: ZB Completa Forte (VVG), edition 2027, p. 4	SWICA Completa Forte better
Annual cap	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	No verified information	not comparable
Natural remedies (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4	No verified information	not comparable
Natural remedies: annual cap	CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4	No verified information	not comparable
Therapist requirements	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	Treatment must be by a doctor or therapist recognised by SWICA; SWICA keeps lists of recognised methods and practitionersSource: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable
Maximum per session	No verified information	CHF 120Source: ZB Completa Forte (VVG), edition 2027, p. 4	not comparable

All products in “Alternative medicine” compared

Medicines and medical aids

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Medicines outside the SL (percent)	90%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	No verified information	not comparable
Medicines outside the SL: maximum	CHF 50’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	No verified information	not comparable
Medical aids: annual cap	CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 6	KPT Pulse Pulse Premium better
Medical aids (percent)	No verified information	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	not comparable

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Contribution for adults	CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	CHF 900Source: ZB Completa Forte (VVG), edition 2027, p. 5	SWICA Completa Forte better
Period for adults in months	36 monthsSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	36 monthsSource: ZB Completa Forte (VVG), edition 2027, p. 5	equal
Laser eye surgery	CHF 600Source: 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	SWICA Completa Forte	Result
Coverage (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	90%Source: ZB Completa Forte (VVG), edition 2027, p. 6	SWICA Completa Forte better
Annual cap	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	CHF 500Source: ZB Completa Forte (VVG), edition 2027, p. 6	KPT Pulse Pulse Premium better
Vaccinations (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Vaccinations: annual cap	CHF 800Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Health check-up	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	No verified information	not comparable
Gynaecological screening (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	No verified information	not comparable

All products in “Prevention” compared

Maternity

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Birth preparation amount	CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Breastfeeding allowance	No verified information	CHF 200Source: ZB Completa Forte (VVG), edition 2027, p. 5	not comparable

All products in “Maternity” compared

Contract terms

Feature	KPT Pulse Pulse Premium	SWICA Completa Forte	Result
Minimum contract duration in years	1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	No verified information	not comparable
Cancellation notice in months	3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Insurer does not cancel after a claim	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	No verified information	not comparable
Accident cover included	YesSource: 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 Premium, 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 Premium, edition 2027, p. 5	No verified information	not comparable
Upgrade without a health check	No verified information	Not coveredSource: ZB Completa Forte (VVG), edition 2027, p. 8	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.