KPT Spital-Zusatzversicherung Flex Flex Eco vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Eco and Visana Ambulant VIVA Ambulant VIVA III in 3 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, Visana Ambulant VIVA Ambulant VIVA III on 2; both are equal on 1.
- KPT Spital-Zusatzversicherung Flex Flex Eco
- Visana Ambulant VIVA Ambulant VIVA III
- Compare with other products
- Have your own policy checked: order the report
Maternity
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Home birth | YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 300Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Rescue and transport
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Rescue cost cap | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III better |
| Transport cost cap | CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III better |
| Repatriation to Switzerland | Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | No verified information | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | Visana Ambulant VIVA Ambulant VIVA III | 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 |
| 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 | 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 |
| 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 | 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 |
| 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 |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.