Atupri Mivita Reala

Standard outpatient insurance

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General

General information:

Atupri Mivita Reala: Standard version.

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year.

Premiums and discounts:

Amount of premiums varies depending on the age, place of residence and gender of the insured person.
The last age class change is at age 70.
Discount for early payment.
The premiums for 2026 are shown here.
A longer minimum contract term of three years can be selected when taking out insurance. A premium discount is granted for the first longer minimum contract term.

Glasses and contact lenses:

Cost contribution to eyeglass lenses, contact lenses and vision aids: 50 percent up to CHF 300 per calendar year.

Vaccinations:

90 percent cost coverage.

Preventative examinations:

Cost contribution to general prevention: 90 percent up to CHF 200 per calendar year. Cost contribution to preventive gynaecological examinations: CHF 200.

Gym memberships:

Cost contribution to fitness and other health promotion: 50 percent, no more then CHF 500 per calendar year in total.
Abonnements that are valid beyond the end of the year are not divided pro rata temporis. The start date of the abonnement is decisive for the refund.

Medicines:

90 percent of medicines not coverd by health insurance companies.

Alternative medicine:

50 percent up to CHF 1500 per calendar year.

Psychotherapy:

Cost contribution to nonphysician psychotherapy: 60 percent up to CHF 1000 per calendar year together with other specific services.

Search & rescue in Switzerland:

Emergency transportation: full coverage. Search and rescue coverage up to CHF 20,000 per calendar year.

Search & rescue abroad:

Emergency transportation and repatriation: full coverage. Search and rescue coverage up to CHF 50,000.

Medical costs abroad:

Coverage of healthcare costs at the usual local rates for outpatient or inpatient emergency treatment.

Tooth misalignment treatments:

Additional product Atupri Denta up to the age of 25 included. Tooth misalignment treatment up to the age of 30: 80%, maximum CHF 3000 (level 2: CHF 5000) per calendar year. Waiting period of 6 months after taking out insurance.

Dental treatments:

Additional product Atupri Denta needed.

Spa & convalescent therapy :

Contribution to the cost of medically prescribed spa and recreational cures: CHF 60 per day during up to 50 days within 5 calendar years.

Equipment:

50 percent up to CHF 750 per calendar year.

Sterilization:

Contribution to the costs of ligation: 60 percent up to CHF 1000 per calendar year together with other specific services.

Maternity:

Cost contribution to prenatal classes, antenatal classes, pelvic gymnastics, midwive services: 60 percent up to CHF 1000 per calendar year together with other specific services.
Nursing mother's allowance: CHF 200 per child (at least 10 weeks of breastfeeding). Stay in birthing center under 5 days: CHF 150 per day. The contribution in the case of a breastfeeding allowance and the contribution to the costs of accommodation in a birthing center are offset against the maximum amount of CHF 1000 per calendar year.

Ear corrections:

Cost contribution to the costs of plastic surgery (for example, surgical correction of protruding ears): 60%, maximum of CHF 1000 per calendar year together with other specific services.

Home care:

Cost contribution to medically prescribed care and assistance at home: CHF 40 per day, for a maximum of 30 days per calendar year.

Additional services:

Travel insurance.