KPT Spital-Zusatzversicherung Halbprivat vs. Visana Spital VIVA Spital VIVA Halbprivat: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Halbprivat and Visana Spital VIVA Spital VIVA Halbprivat in 3 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Halbprivat is better on 2 features, Visana Spital VIVA Spital VIVA Halbprivat on 0; both are equal on 2.
- KPT Spital-Zusatzversicherung Halbprivat
- Visana Spital VIVA Spital VIVA Halbprivat
- Compare with other products
- Have your own policy checked: order the report
Hospital
| Feature | KPT Spital-Zusatzversicherung Halbprivat | Visana Spital VIVA Spital VIVA Halbprivat | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | equal |
| Psychiatric clinic: maximum days | 720Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 | 180Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | KPT Spital-Zusatzversicherung Halbprivat better |
| Ward | Semi-private ward (Halbprivat); services of the insured classSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 | No verified information | not comparable |
Cures and recovery
| Feature | KPT Spital-Zusatzversicherung Halbprivat | Visana Spital VIVA Spital VIVA Halbprivat | Result |
|---|---|---|---|
| Maximum cure days per year | 30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 | 28Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | KPT Spital-Zusatzversicherung Halbprivat better |
| Spa cure (per day) | No verified information | CHF 75Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Halbprivat | Visana Spital VIVA Spital VIVA Halbprivat | 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 | No verified information | not comparable |
| Accident cover included | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | equal |
| Premium and age | Premium is tiered by age; moving to a higher age band usually raises the premium on 1 January; bands differ for entry up to age 50 and from 51Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 5 | Premium age bands 0-18, 19-25, 26-30, then 5-year groups from 31; last group reached at 86; change on 1 January usually raises premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
| Other notable benefits | Inpatient rehabilitation with full cost coverage in the insured ward for up to 60 days within 5 calendar years; hospital services abroad: full coverage in Europe/Mediterranean, up to CHF 50,000 rest of worldSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 | No verified information | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA Gesundheitsplan (Visana).Source: ZB Krankenzusatzversicherung Spital 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.