SWICA Optima vs. Visana Spital VIVA Spital VIVA Allgemein: benefits compared
Direct comparison of SWICA Optima and Visana Spital VIVA Spital VIVA Allgemein in 2 categories. All values come from the policy terms and are backed by their source.
SWICA Optima is better on 1 features, Visana Spital VIVA Spital VIVA Allgemein on 1; both are equal on 0.
- SWICA Optima
- Visana Spital VIVA Spital VIVA Allgemein
- Compare with other products
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Cures and recovery
| Feature | SWICA Optima | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | CHF 50Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | Visana Spital VIVA Spital VIVA Allgemein better |
| Recovery stay (per day) | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | No verified information | not comparable |
| Maximum cure days per year | 30Source: ZB Optima (VVG), edition 2027, p. 4 | 28Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | SWICA Optima better |
Contract terms
| Feature | SWICA Optima | 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 |
| 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 | 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 |
| Premium and age | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.