KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant Ambulant I: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and Visana Ambulant Ambulant I in 3 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Flex Flex Top is better on 1 features, Visana Ambulant Ambulant I on 1; both are equal on 2.
- KPT Spital-Zusatzversicherung Flex Flex Top
- Visana Ambulant Ambulant I
- Compare with other products
- Have your own policy checked: order the report
Travel abroad
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | Visana Ambulant Ambulant I | Result |
|---|---|---|---|
| Maximum trip duration in days | 56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | 56Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | equal |
| Trip cancellation costs | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | No verified information | not comparable |
| Worldwide validity | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 | not comparable |
Rescue and transport
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | Visana Ambulant Ambulant I | Result |
|---|---|---|---|
| Rescue cost cap | CHF 30’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | KPT Spital-Zusatzversicherung Flex Flex Top better |
| Transport cost cap | CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 | CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | Visana Ambulant Ambulant I better |
| Repatriation to Switzerland | Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 | No verified information | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | Visana Ambulant Ambulant I | 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 (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | equal |
| Upgrade without a health check | YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | No verified information | not comparable |
| 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 Top, edition 2027, p. 7 | Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | not comparable |
| Family discount | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Accident cover included | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Other notable benefits | No verified information | Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland.Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.