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

Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Eco and SWICA Hospita Hospita Allgemein in 4 categories. All values come from the policy terms and are backed by their source.

KPT Spital-Zusatzversicherung Flex Flex Eco is better on 0 features, SWICA Hospita Hospita Allgemein on 1; both are equal on 4.

Hospital

Feature	KPT Spital-Zusatzversicherung Flex Flex Eco	SWICA Hospita Hospita Allgemein	Result
Ward choice at admission	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 1	No verified information	not comparable
Maximum cost share per year	CHF 6’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2	No verified information	not comparable
Psychiatric clinic: maximum days	45Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2	No verified information	not comparable
Ward	General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, 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
Free hospital choice across Switzerland	No verified information	YesSource: 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 Flex Flex Eco	SWICA Hospita Hospita Allgemein	Result
Home birth	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	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 Flex Flex Eco	SWICA Hospita Hospita Allgemein	Result
Rescue cost cap	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	equal
Transport cost cap	CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	SWICA Hospita Hospita Allgemein better
Repatriation to Switzerland	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3	No verified information	not comparable

All products in “Rescue and transport” compared

Contract terms

Feature	KPT Spital-Zusatzversicherung Flex Flex Eco	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
Premium and age	Premium is age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4	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	Contribution to consulting services around treatments and procedures per a published list; newborn's stay and care costs covered.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, 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.