Home Supplementary insurance at a glance KPT Pulse Pulse Premium vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared KPT Pulse Pulse Premium vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of KPT Pulse Pulse Premium and Visana Ambulant VIVA Ambulant VIVA III in 6 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Premium is better on 4 features, Visana Ambulant VIVA Ambulant VIVA III on 4; both are equal on 1.
Medicines and medical aids
Feature
KPT Pulse Pulse Premium
Visana Ambulant VIVA Ambulant VIVA 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 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 Unlimited Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA III better Medical aids: annual cap
CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CHF 2’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA III better Medical aids (percent)
No verified information 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Prevention
Feature
KPT Pulse Pulse Premium
Visana Ambulant VIVA Ambulant VIVA III
Result Coverage (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 Visana Ambulant VIVA Ambulant VIVA III better Annual cap
CHF 4’000 Source: 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 KPT Pulse Pulse Premium better Vaccinations: annual cap
CHF 800 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 Unlimited Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 Visana Ambulant VIVA Ambulant VIVA III better Health check-up
CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 CHF 600 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 KPT Pulse Pulse Premium better
All products in “Prevention” compared
Contract terms
Feature
KPT Pulse Pulse Premium
Visana Ambulant VIVA Ambulant VIVA III
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 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 Yes Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal 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 Requires the mandatory basic insurance VIVA-Gesundheitsplan. Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 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 by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium. Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 not comparable Family discount
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable Only with basic insurance at the same insurer
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable Notable exclusions
No verified information Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment. Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Other notable benefits
No verified information Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service). Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.