KPT Pulse Pulse Top vs. SWICA Praevita: benefits compared
Direct comparison of KPT Pulse Pulse Top and SWICA Praevita in 2 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Top is better on 5 features, SWICA Praevita on 0; both are equal on 1.
- KPT Pulse Pulse Top
- SWICA Praevita
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Prevention
Contract terms
| Feature | KPT Pulse Pulse Top | SWICA Praevita | 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 | 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 Top, edition 2027, p. 1 | Requires an existing Completa Top or Completa Forte supplementary insurance with SWICA; Praevita ends when it ends.Source: ZB Praevita (VVG), edition 2027, p. 3 | 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 Top, edition 2027, p. 5 | Age-based (Lebensalter) tariff; premiums adjust with age groups 0–18, 19–25, 26–30 and then five-year steps up to 71+.Source: ZB Praevita (VVG), edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.