Home Supplementary insurance at a glance KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared KPT Spital-Zusatzversicherung Flex Flex Top vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and Visana Ambulant VIVA Ambulant VIVA 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 VIVA Ambulant VIVA II on 1; both are equal on 1.
Rescue and transport
Feature
KPT Spital-Zusatzversicherung Flex Flex Top
Visana Ambulant VIVA Ambulant VIVA 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 VIVA (VVG), gültig ab 01.03.2026, 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 Visana Ambulant VIVA Ambulant VIVA 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 VIVA Ambulant VIVA 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 VIVA (VVG), gültig ab 01.03.2026, 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 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 Yes Source: 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 Yes Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.