KPT Zahn-Zusatzversicherung LK 0 vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of KPT Zahn-Zusatzversicherung LK 0 and Visana Ambulant VIVA Ambulant VIVA II in 2 categories. All values come from the policy terms and are backed by their source.
KPT Zahn-Zusatzversicherung LK 0 is better on 1 features, Visana Ambulant VIVA Ambulant VIVA II on 1; both are equal on 2.
- KPT Zahn-Zusatzversicherung LK 0
- Visana Ambulant VIVA Ambulant VIVA II
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Dental care
Contract terms
| Feature | KPT Zahn-Zusatzversicherung LK 0 | Visana Ambulant VIVA Ambulant VIVA II | 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 |
| Premium and age | Premium is tariffed by age; age bands 0-5, 6-10, 11-18, 19-25, then 5-year bands up to 61-65 and 66+; change on 1 January of the year the age is reached.Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 2 | 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 |
| Notable exclusions | Treatments abroad, pre-existing conditions, cosmetic treatments and ineffective or uneconomic treatments are excluded.Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | 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 |
| 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 |
| 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.