KPT Spital-Zusatzversicherung Allgemein vs. SWICA Hospita Hospita Allgemein: benefits compared

Direct comparison of KPT Spital-Zusatzversicherung Allgemein and SWICA Hospita Hospita Allgemein in 5 categories. All values come from the policy terms and are backed by their source.

KPT Spital-Zusatzversicherung Allgemein is better on 0 features, SWICA Hospita Hospita Allgemein on 0; both are equal on 6.

Hospital

Feature	KPT Spital-Zusatzversicherung Allgemein	SWICA Hospita Hospita Allgemein	Result
Free hospital choice across Switzerland	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	equal
Psychiatric clinic: maximum days	720Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	No verified information	not comparable
Ward	General ward (Allgemein); services of the insured classSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	General ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	not comparable
Acute hospital: maximum days	No verified information	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable

All products in “Hospital” compared

Maternity

Feature	KPT Spital-Zusatzversicherung Allgemein	SWICA Hospita Hospita Allgemein	Result
Home birth	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	No verified information	not comparable
Waiting period in months	No verified information	12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Maternity” compared

Rescue and transport

Feature	KPT Spital-Zusatzversicherung Allgemein	SWICA Hospita Hospita Allgemein	Result
Rescue cost cap	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	equal
Repatriation to Switzerland	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	No verified information	not comparable
Transport cost cap	No verified information	CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable

All products in “Rescue and transport” compared

Cures and recovery

Feature	KPT Spital-Zusatzversicherung Allgemein	SWICA Hospita Hospita Allgemein	Result
Maximum cure days per year	30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	equal
Spa cure (per day)	No verified information	CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable
Recovery stay (per day)	No verified information	CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable

All products in “Cures and recovery” compared

Contract terms

Feature	KPT Spital-Zusatzversicherung Allgemein	SWICA Hospita Hospita Allgemein	Result
Minimum contract duration in years	1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
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	YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Accident cover included	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1	No verified information	not comparable
Premium and age	Premium is tiered by age; moving to a higher age band usually raises the premium on 1 January; bands differ for entry up to age 50 and from 51Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 5	Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	not comparable
Other notable benefits	Inpatient rehabilitation with full cost coverage in the insured ward for up to 60 days within 5 calendar years; hospital services abroad up to CHF 20,000 worldwideSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4	Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable
Upgrade without a health check	No verified information	Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4	not comparable
Notable exclusions	No verified information	Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable

All products in “Contract terms” compared

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