Home Supplementary insurance at a glance KPT Pulse Pulse Premium vs. SWICA Completa Top: benefits compared KPT Pulse Pulse Premium vs. SWICA Completa Top: benefits compared
Direct comparison of KPT Pulse Pulse Premium and SWICA Completa Top in 6 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 Top on 1; both are equal on 3.
Alternative medicine
Feature
KPT Pulse Pulse Premium
SWICA Completa Top
Result Coverage (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 90% Source: ZB Completa Top (VVG), edition 2027, p. 4 SWICA Completa Top better Annual cap
CHF 4’000 Source: 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 500 Source: 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 list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 No verified information not comparable Maximum per session
No verified information CHF 80 Source: ZB Completa Top (VVG), edition 2027, p. 4 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
KPT Pulse Pulse Premium
SWICA Completa Top
Result Medicines outside the SL (percent)
90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 90% Source: ZB Completa Top (VVG), edition 2027, p. 4 equal Medicines outside the SL: maximum
CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 No verified information not comparable Medical aids: annual cap
CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 200 Source: ZB Completa Top (VVG), edition 2027, p. 6 KPT Pulse Pulse Premium better Medical aids (percent)
No verified information 90% Source: ZB Completa Top (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 Top
Result Contribution for adults
CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 200 Source: ZB Completa Top (VVG), edition 2027, p. 6 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: ZB Completa Top (VVG), edition 2027, p. 6 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
Contract terms
Feature
KPT Pulse Pulse Premium
SWICA Completa Top
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable 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 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.