Home Supplementary insurance at a glance KPT Spital-Zusatzversicherung Privat vs. Visana Ambulant Ambulant II: benefits compared KPT Spital-Zusatzversicherung Privat vs. Visana Ambulant Ambulant II: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Privat and Visana Ambulant Ambulant II in 4 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Privat is better on 0 features, Visana Ambulant Ambulant II on 1; both are equal on 3.
Travel abroad
Feature
KPT Spital-Zusatzversicherung Privat
Visana Ambulant Ambulant II
Result Maximum trip duration in days
56 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 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 (Allgemein, Halbprivat, Privat), edition 2027, p. 4 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 Privat
Visana Ambulant Ambulant II
Result Rescue cost cap
CHF 20’000 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 3 CHF 25’000 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 (Allgemein, Halbprivat, Privat), edition 2027, p. 3 No verified information not comparable Transport cost cap
No verified information CHF 20’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 not comparable
All products in “Rescue and transport” compared
Contract terms
Feature
KPT Spital-Zusatzversicherung Privat
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 Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, 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 51 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 5 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 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 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 Family discount
No verified information Yes 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.