SWICA Completa Top vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared

Direct comparison of SWICA Completa Top and Visana Ambulant VIVA Ambulant VIVA II in 6 categories. All values come from the policy terms and are backed by their source.

SWICA Completa Top is better on 2 features, Visana Ambulant VIVA Ambulant VIVA II on 3; both are equal on 1.

Medicines and medical aids

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Medicines outside the SL (percent)	90%Source: ZB Completa Top (VVG), edition 2027, p. 4	No verified information	not comparable
Medical aids (percent)	90%Source: ZB Completa Top (VVG), edition 2027, p. 6	90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	equal
Medical aids: annual cap	CHF 200Source: ZB Completa Top (VVG), edition 2027, p. 6	CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA II better
Medicines outside the SL: maximum	No verified information	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Contribution for adults	CHF 200Source: ZB Completa Top (VVG), edition 2027, p. 6	No verified information	not comparable
Period for adults in months	36 monthsSource: ZB Completa Top (VVG), edition 2027, p. 6	No verified information	not comparable
Children's rule applies up to age	No verified information	18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Glasses and contact lenses” compared

Dental care

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Coverage (percent)	50%Source: ZB Completa Top (VVG), edition 2027, p. 6	25%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	SWICA Completa Top better
Annual cap	CHF 100Source: ZB Completa Top (VVG), edition 2027, p. 6	CHF 500Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA II better
Dental treatment abroad	YesSource: ZB Completa Top (VVG), edition 2027, p. 6	No verified information	not comparable
Orthodontics for children	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Orthodontics: maximum amount	No verified information	CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Wisdom teeth removal	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Dental care” compared

Maternity

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Breastfeeding allowance	CHF 200Source: ZB Completa Top (VVG), edition 2027, p. 5	No verified information	not comparable
Birth preparation amount	No verified information	CHF 300Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable

All products in “Maternity” compared

Home help

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Daily cap	CHF 30Source: ZB Completa Top (VVG), edition 2027, p. 6	CHF 50Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA II better
Maximum number of days	60Source: ZB Completa Top (VVG), edition 2027, p. 6	30Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	SWICA Completa Top better

All products in “Home help” compared

Contract terms

Feature	SWICA Completa Top	Visana Ambulant VIVA Ambulant VIVA II	Result
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	No verified information	not comparable
Insurer does not cancel after a claim	No verified information	YesSource: AVB Krankenzusatzversicherungen 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
Premium and age	No verified information	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	No verified information	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
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

All products in “Contract terms” compared

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