Assura Medna vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Assura Medna and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 3 categories. All values come from the policy terms and are backed by their source.
Assura Medna is better on 0 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 3.
- Assura Medna
- ÖKK ÖKK SPITAL SPITAL FLEX MINI
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Travel abroad
| Feature | Assura Medna | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
Cures and recovery
| Feature | Assura Medna | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Recovery stay (per day) | Not coveredSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 1 | No verified information | not comparable |
| Maximum cure days per year | No verified information | 60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Medna | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Premium and age | Premium is set by age at contract conclusion; children 0-18 move to the next age band at 19, young adults 19-25 at 26, and that band is then final.Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | Pre-existing conditions, accidents before application, palliative treatment, overweight and maternity costs are excluded; rehabilitation and, within Art. 2.2 therapies, mental illness are covered.Source: BVB Medna (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Suspension possible | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | not comparable |
| Other notable benefits | No verified information | Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private wardSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.