Home Supplementary insurance at a glance KPT Pulse Pulse Top vs. Visana Ambulant Ambulant II: benefits compared KPT Pulse Pulse Top vs. Visana Ambulant Ambulant II: benefits compared
Direct comparison of KPT Pulse Pulse Top and Visana Ambulant Ambulant II in 7 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Top is better on 4 features, Visana Ambulant Ambulant II on 3; both are equal on 5.
Medicines and medical aids
Feature
KPT Pulse Pulse Top
Visana Ambulant Ambulant II
Result Medicines outside the SL (percent)
90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 No verified information not comparable Medicines outside the SL: maximum
CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant II better Medical aids: annual cap
CHF 300 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 CHF 1’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant II better 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 Top
Visana Ambulant Ambulant II
Result Contribution for adults
CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 No verified information not comparable Period for adults in months
36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 36 months Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 equal Period for children in months
No verified information 12 months Source: 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 18 Source: 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 Top
Visana Ambulant Ambulant II
Result Coverage (percent)
75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant II better Annual cap
CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 No verified information not comparable Vaccinations (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 KPT Pulse Pulse Top better Vaccinations: annual cap
CHF 400 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 CHF 200 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 KPT Pulse Pulse Top better Health check-up
CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 CHF 300 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 KPT Pulse Pulse Top better Gynaecological screening (percent)
100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 KPT Pulse Pulse Top better
All products in “Prevention” compared
Travel abroad
Feature
KPT Pulse Pulse Top
Visana Ambulant Ambulant II
Result Maximum trip duration in days
56 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 56 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 equal Trip cancellation costs
CHF 20’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 No verified information not comparable Worldwide validity
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Contract terms
Feature
KPT Pulse Pulse Top
Visana Ambulant Ambulant II
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 (VVG), gültig ab 01.01.2022, edition 2027, p. 3 equal Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 Yes Source: 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 Top, 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 Top, 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 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable Other notable benefits
No verified information Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland. Source: 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.