Home Supplementary insurance at a glance KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant Ambulant II: benefits compared KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant Ambulant II: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and Visana Ambulant Ambulant II in 4 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 II on 1; both are equal on 2.
Travel abroad
Feature
KPT Spital-Zusatzversicherung Flex Flex Top
Visana Ambulant Ambulant II
Result Maximum trip duration in days
56 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 56 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 equal Trip cancellation costs
CHF 20’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 No verified information not comparable Worldwide validity
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Rescue and transport
Feature
KPT Spital-Zusatzversicherung Flex Flex Top
Visana Ambulant Ambulant II
Result Rescue cost cap
CHF 30’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 CHF 25’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 KPT Spital-Zusatzversicherung Flex Flex Top better Transport cost cap
CHF 5’000 Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 CHF 20’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant II better Repatriation to Switzerland
Not covered Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 No verified information not comparable
All products in “Rescue and transport” compared
Contract terms
Feature
KPT Spital-Zusatzversicherung Flex Flex Top
Visana Ambulant Ambulant II
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Cancellation notice in months
3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 Yes Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 equal Upgrade without a health check
Yes Source: 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 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable Accident cover included
No verified information Yes Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.