KPT Pulse Pulse Premium vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of KPT Pulse Pulse Premium and SWICA Hospita Hospita Allgemein in 3 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Premium is better on 0 features, SWICA Hospita Hospita Allgemein on 0; both are equal on 3.
- KPT Pulse Pulse Premium
- SWICA Hospita Hospita Allgemein
- Compare with other products
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Maternity
| Feature | KPT Pulse Pulse Premium | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Birth preparation amount | CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | No verified information | not comparable |
| Waiting period in months | No verified information | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Rescue and transport
| Feature | KPT Pulse Pulse Premium | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Trips to treatments | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
| Transport cost cap | No verified information | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Contract terms
| Feature | KPT Pulse Pulse Premium | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| 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 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| 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 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | not comparable |
| Notable exclusions | No verified information | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Other notable benefits | No verified information | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.