KPT Spital-Zusatzversicherung Allgemein vs. Visana Spital Spital Halbprivat: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Allgemein and Visana Spital Spital Halbprivat in 3 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Allgemein is better on 1 features, Visana Spital Spital Halbprivat on 0; both are equal on 1.
- KPT Spital-Zusatzversicherung Allgemein
- Visana Spital Spital Halbprivat
- Compare with other products
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Hospital
| Feature | KPT Spital-Zusatzversicherung Allgemein | Visana Spital Spital Halbprivat | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 | YesSource: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 2 | 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 | No verified information | not comparable |
| Coverage in non-listed hospitals | No verified information | 50%Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | not comparable |
Cures and recovery
| Feature | KPT Spital-Zusatzversicherung Allgemein | Visana Spital Spital Halbprivat | Result |
|---|---|---|---|
| Maximum cure days per year | 30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 | 28Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | KPT Spital-Zusatzversicherung Allgemein better |
| Recovery stay (per day) | No verified information | CHF 75Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Allgemein | Visana Spital Spital Halbprivat | 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 | No verified information | not comparable |
| 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 | Premium age groups 0-18, 19-25, 26-30, then 5-year bands from 31; last group reached at 86; change on 1 JanuarySource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | 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 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.