KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant VIVA Ambulant VIVA I: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and Visana Ambulant VIVA Ambulant VIVA I in 2 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 VIVA Ambulant VIVA I on 1; both are equal on 1.
- KPT Spital-Zusatzversicherung Flex Flex Top
- Visana Ambulant VIVA Ambulant VIVA I
- Compare with other products
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Rescue and transport
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Rescue cost cap | CHF 30’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4 | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA 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 VIVA Ambulant VIVA 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 VIVA (VVG), gültig ab 01.03.2026, 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 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 |
| 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 |
| Other notable benefits | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.