KPT Pulse Pulse Premium vs. SWICA Optima: benefits compared

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

KPT Pulse Pulse Premium is better on 6 features, SWICA Optima on 2; both are equal on 3.

Outpatient

Feature	KPT Pulse Pulse Premium	SWICA Optima	Result
Sterilisation	CHF 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	CHF 700Source: ZB Optima (VVG), edition 2027, p. 4	KPT Pulse Pulse Premium better

All products in “Outpatient” compared

Alternative medicine

Feature	KPT Pulse Pulse Premium	SWICA Optima	Result
Coverage (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	No verified information	not comparable
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 performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3	not comparable

All products in “Alternative medicine” compared

Medicines and medical aids

Feature	KPT Pulse Pulse Premium	SWICA Optima	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 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1	KPT Pulse Pulse Premium 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

Glasses and contact lenses

Feature	KPT Pulse Pulse Premium	SWICA Optima	Result
Contribution for adults	CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	CHF 300Source: ZB Optima (VVG), edition 2027, p. 5	KPT Pulse Pulse Premium better
Period for adults in months	36 monthsSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	36 monthsSource: ZB Optima (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 Optima	Result
Coverage (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better
Annual cap	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	CHF 300Source: ZB Optima (VVG), edition 2027, p. 4	KPT Pulse Pulse Premium better
Vaccinations (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	90%Source: ZB Optima (VVG), edition 2027, p. 4	KPT Pulse Pulse Premium better
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	UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better
Gynaecological screening (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	90%Source: ZB Optima (VVG), edition 2027, p. 4	KPT Pulse Pulse Premium better

All products in “Prevention” compared

Fitness

Feature	KPT Pulse Pulse Premium	SWICA Optima	Result
Annual contribution	CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3	No verified information	not comparable
Contribution (percent of cost)	No verified information	90%Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Fitness” compared

Contract terms

Feature	KPT Pulse Pulse Premium	SWICA Optima	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	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
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.