SWICA Hospita Hospita Allgemein vs. Visana Spital Spital Halbprivat: benefits compared
Direct comparison of SWICA Hospita Hospita Allgemein and Visana Spital Spital Halbprivat in 3 categories. All values come from the policy terms and are backed by their source.
SWICA Hospita Hospita Allgemein is better on 1 features, Visana Spital Spital Halbprivat on 1; both are equal on 1.
- SWICA Hospita Hospita Allgemein
- Visana Spital Spital Halbprivat
- Compare with other products
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Hospital
| Feature | SWICA Hospita Hospita Allgemein | Visana Spital Spital Halbprivat | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | YesSource: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 2 | equal |
| Acute hospital: maximum days | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | No verified information | not comparable |
| Ward | General ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | No verified information | not comparable |
| Coverage in non-listed hospitals | No verified information | 50%Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | not comparable |
Cures and recovery
| Feature | SWICA Hospita Hospita Allgemein | Visana Spital Spital Halbprivat | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | No verified information | not comparable |
| Recovery stay (per day) | CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | CHF 75Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | Visana Spital Spital Halbprivat better |
| Maximum cure days per year | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | 28Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | SWICA Hospita Hospita Allgemein better |
Contract terms
| Feature | SWICA Hospita Hospita Allgemein | Visana Spital Spital Halbprivat | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | No verified information | not comparable |
| 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 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | No verified information | not comparable |
| Upgrade without a health check | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | No verified information | not comparable |
| Premium and age | 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 | Premium age groups 0-18, 19-25, 26-30, then 5-year bands from 31; last group reached at 86; change on 1 JanuarySource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | not comparable |
| Notable exclusions | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | No verified information | not comparable |
| Other notable benefits | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.