KPT Pulse Pulse Premium vs. Visana Ambulant Ambulant III: benefits compared

Direct comparison of KPT Pulse Pulse Premium and Visana Ambulant Ambulant III 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, Visana Ambulant Ambulant III on 3; both are equal on 3.

Medicines and medical aids

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	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	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	Visana Ambulant Ambulant III better
Medical aids: annual cap	CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Medical aids (percent)	No verified information	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	not comparable

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	Result
Contribution for adults	CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Period for adults in months	36 monthsSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Laser eye surgery	CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	No verified information	not comparable
Period for children in months	No verified information	12 monthsSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	not comparable
Children's rule applies up to age	No verified information	18Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	not comparable

All products in “Glasses and contact lenses” compared

Prevention

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	Result
Coverage (percent)	75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	Visana Ambulant Ambulant III better
Annual cap	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	No verified information	not comparable
Vaccinations (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	KPT Pulse Pulse Premium better
Vaccinations: annual cap	CHF 800Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	Visana Ambulant Ambulant III better
Health check-up	CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	CHF 600Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	KPT Pulse Pulse Premium better
Gynaecological screening (percent)	100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	KPT Pulse Pulse Premium better

All products in “Prevention” compared

Travel abroad

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	Result
Maximum trip duration in days	56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4	56Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	equal
Trip cancellation costs	CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4	No verified information	not comparable
Worldwide validity	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4	not comparable

All products in “Travel abroad” compared

Rescue and transport

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	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	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	not comparable
Transport cost cap	No verified information	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	not comparable

All products in “Rescue and transport” compared

Contract terms

Feature	KPT Pulse Pulse Premium	Visana Ambulant Ambulant III	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	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3	equal
Accident cover included	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, 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	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	Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4	not comparable
Family discount	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	not comparable

All products in “Contract terms” compared

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