KPT Zahn-Zusatzversicherung LK 4 vs. SWICA Hospita Hospita Halbprivat: benefits compared
Direct comparison of KPT Zahn-Zusatzversicherung LK 4 and SWICA Hospita Hospita Halbprivat in 1 categories. All values come from the policy terms and are backed by their source.
KPT Zahn-Zusatzversicherung LK 4 is better on 0 features, SWICA Hospita Hospita Halbprivat on 0; both are equal on 3.
- KPT Zahn-Zusatzversicherung LK 4
- SWICA Hospita Hospita Halbprivat
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Contract terms
| Feature | KPT Zahn-Zusatzversicherung LK 4 | SWICA Hospita Hospita Halbprivat | 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 |
| 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 | 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 |
| 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 | 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 |
| Other notable benefits | No verified information | 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 3Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.