SWICA Hospita Hospita Privat vs. Visana Spital VIVA Spital VIVA Allgemein: benefits compared
Direct comparison of SWICA Hospita Hospita Privat and Visana Spital VIVA Spital VIVA Allgemein in 3 categories. All values come from the policy terms and are backed by their source.
SWICA Hospita Hospita Privat is better on 2 features, Visana Spital VIVA Spital VIVA Allgemein on 0; both are equal on 1.
- SWICA Hospita Hospita Privat
- Visana Spital VIVA Spital VIVA Allgemein
- Compare with other products
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Hospital
| Feature | SWICA Hospita Hospita Privat | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | equal |
| Psychiatric clinic: maximum days | 720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | 180Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | SWICA Hospita Hospita Privat better |
| Acute hospital: maximum days | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | No verified information | not comparable |
| Rooming-in (per day) | CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | No verified information | not comparable |
| Ward | Private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | No verified information | not comparable |
Cures and recovery
| Feature | SWICA Hospita Hospita Privat | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Maximum cure days per year | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | 28Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | SWICA Hospita Hospita Privat better |
| Spa cure (per day) | No verified information | CHF 50Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | SWICA Hospita Hospita Privat | Visana Spital VIVA Spital VIVA Allgemein | 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 |
| 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 bands 0-18, 19-25, 26-30, then 5-year groups from 31; last group reached at 86; change on 1 January usually raises premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
| Notable exclusions | 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 | No verified information | not comparable |
| Other notable benefits | 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 5Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | No verified information | not comparable |
| Accident cover included | No verified information | YesSource: ZB Krankenzusatzversicherung Spital 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 Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA Gesundheitsplan (Visana).Source: ZB Krankenzusatzversicherung Spital 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.