KPT Spital-Zusatzversicherung Privat vs. SWICA Hospita Hospita Privat: benefits compared

Direct comparison of KPT Spital-Zusatzversicherung Privat and SWICA Hospita Hospita Privat in 5 categories. All values come from the policy terms and are backed by their source.

KPT Spital-Zusatzversicherung Privat is better on 0 features, SWICA Hospita Hospita Privat on 1; both are equal on 6.

Hospital

Feature	KPT Spital-Zusatzversicherung Privat	SWICA Hospita Hospita Privat	Result
Free hospital choice across Switzerland	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	equal
Psychiatric clinic: maximum days	720Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	equal
Ward	Private ward (Privat); services of the insured classSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1	Private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	not comparable
Acute hospital: maximum days	No verified information	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable
Rooming-in (per day)	No verified information	CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Hospital” compared

Maternity

Feature	KPT Spital-Zusatzversicherung Privat	SWICA Hospita Hospita Privat	Result
Home birth	YesSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	No verified information	not comparable
Waiting period in months	No verified information	12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Maternity” compared

Rescue and transport

Feature	KPT Spital-Zusatzversicherung Privat	SWICA Hospita Hospita Privat	Result
Rescue cost cap	CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	SWICA Hospita Hospita Privat better
Repatriation to Switzerland	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3	No verified information	not comparable
Transport cost cap	No verified information	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable

All products in “Rescue and transport” compared

Cures and recovery

Feature	KPT Spital-Zusatzversicherung Privat	SWICA Hospita Hospita Privat	Result
Maximum cure days per year	30Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2	30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	equal

All products in “Cures and recovery” compared

Contract terms

Feature	KPT Spital-Zusatzversicherung Privat	SWICA Hospita Hospita Privat	Result
Minimum contract duration in years	1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Cancellation notice in months	3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Insurer does not cancel after a claim	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2	YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Accident cover included	YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1	No verified information	not comparable
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	Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	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 worldwide except USA and Canada (up to CHF 100,000)Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4	Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 5Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable
Notable exclusions	No verified information	Extra costs of medically necessary out-of-canton treatment not covered; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.