KPT Pulse Pulse Top vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of KPT Pulse Pulse Top and Visana Ambulant VIVA Ambulant VIVA II in 6 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 VIVA Ambulant VIVA II on 3; both are equal on 2.
- KPT Pulse Pulse Top
- Visana Ambulant VIVA Ambulant VIVA II
- Compare with other products
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Medicines and medical aids
| Feature | KPT Pulse Pulse Top | Visana Ambulant VIVA Ambulant VIVA 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 50’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Ambulant VIVA Ambulant VIVA II better |
| Medical aids: annual cap | CHF 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Ambulant VIVA Ambulant VIVA II 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 |
Glasses and contact lenses
| Feature | KPT Pulse Pulse Top | Visana Ambulant VIVA Ambulant VIVA II | Result |
|---|---|---|---|
| Contribution for adults | CHF 250Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | No verified information | not comparable |
| Period for adults in months | 36 monthsSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | No verified information | not comparable |
| Children's rule applies up to age | No verified information | 18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | not comparable |
Prevention
Maternity
| Feature | KPT Pulse Pulse Top | Visana Ambulant VIVA Ambulant VIVA II | Result |
|---|---|---|---|
| Birth preparation amount | CHF 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | CHF 300Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
Rescue and transport
| Feature | KPT Pulse Pulse Top | Visana Ambulant VIVA Ambulant VIVA II | Result |
|---|---|---|---|
| Trips to treatments | CHF 250Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Transport cost cap | No verified information | CHF 20’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | KPT Pulse Pulse Top | Visana Ambulant VIVA Ambulant VIVA II | 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| 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 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 Top, 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 | YesSource: 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 | YesSource: 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.