Home Supplementary insurance at a glance SWICA Optima vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared SWICA Optima vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of SWICA Optima and Visana Ambulant VIVA Ambulant VIVA III in 5 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 III on 2; both are equal on 4.
Medicines and medical aids
Feature
SWICA Optima
Visana Ambulant VIVA Ambulant VIVA III
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 300 Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 CHF 2’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA III better Medicines outside the SL: maximum
No verified information Unlimited Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Medicines and medical aids” compared
Prevention
Feature
SWICA Optima
Visana Ambulant VIVA Ambulant VIVA III
Result Coverage (percent)
90% Source: ZB Optima (VVG), edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Annual cap
CHF 300 Source: ZB Optima (VVG), edition 2027, p. 4 No verified information not comparable Vaccinations (percent)
90% Source: ZB Optima (VVG), edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Health check-up
Unlimited Source: ZB Optima (VVG), edition 2027, p. 4 CHF 600 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 SWICA Optima better Gynaecological screening (percent)
90% Source: ZB Optima (VVG), edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 equal Vaccinations: annual cap
No verified information Unlimited Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable
All products in “Prevention” compared
Psychotherapy
Feature
SWICA Optima
Visana Ambulant VIVA Ambulant VIVA III
Result Annual cap
CHF 1’500 Source: ZB Optima (VVG), edition 2027, p. 4 CHF 5’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA III better Maximum sessions per year
60 Source: ZB Optima (VVG), edition 2027, p. 4 No verified information not comparable Therapist requirements
Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed. Source: ZB Optima (VVG), edition 2027, p. 4 Therapist needs a cantonal licence to practise psychotherapy under the Psychology Professions Act (PsyG) and must not be allowed to bill via basic insurance; treatment must serve an illness. Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Coverage (percent)
No verified information 80% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
SWICA Optima
Visana Ambulant VIVA Ambulant VIVA III
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 No verified information not comparable Cancellation notice in months
3 months Source: 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 Yes Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable Family discount
No verified information Yes Source: 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 Yes Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.