SWICA Optima vs. Visana Ambulant Ambulant I: benefits compared
Direct comparison of SWICA Optima and Visana Ambulant Ambulant I in 2 categories. All values come from the policy terms and are backed by their source.
SWICA Optima is better on 1 features, Visana Ambulant Ambulant I on 0; both are equal on 3.
- SWICA Optima
- Visana Ambulant Ambulant I
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Prevention
Contract terms
| Feature | SWICA Optima | Visana Ambulant Ambulant I | 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 |
| Notable exclusions | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | No verified information | not comparable |
| Other notable benefits | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland.Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Insurer does not cancel after a claim | No verified information | YesSource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | not comparable |
| Family discount | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Accident cover included | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
| Premium and age | No verified information | Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.