SWICA Optima vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of SWICA Optima and Visana Ambulant VIVA Ambulant VIVA II in 4 categories. All values come from the policy terms and are backed by their source.
SWICA Optima is better on 1 features, Visana Ambulant VIVA Ambulant VIVA II on 1; both are equal on 4.
- SWICA Optima
- Visana Ambulant VIVA Ambulant VIVA II
- Compare with other products
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Medicines and medical aids
| Feature | SWICA Optima | Visana Ambulant VIVA Ambulant VIVA II | Result |
|---|---|---|---|
| Medical aids (percent) | 90%Source: ZB Optima (VVG), edition 2027, p. 5 | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | equal |
| Medical aids: annual cap | CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 | 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 |
Glasses and contact lenses
| Feature | SWICA Optima | Visana Ambulant VIVA Ambulant VIVA II | Result |
|---|---|---|---|
| Contribution for adults | CHF 300Source: ZB Optima (VVG), edition 2027, p. 5 | No verified information | not comparable |
| Period for adults in months | 36 monthsSource: ZB Optima (VVG), edition 2027, p. 5 | 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 |
Prevention
Contract terms
| Feature | SWICA Optima | Visana Ambulant VIVA Ambulant VIVA II | 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 | 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 | 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 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 |
| 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.