Assura Optima Flex Varia vs. ÖKK ÖKK START: benefits compared
Direct comparison of Assura Optima Flex Varia and ÖKK ÖKK START in 2 categories. All values come from the policy terms and are backed by their source.
Assura Optima Flex Varia is better on 0 features, ÖKK ÖKK START on 0; both are equal on 2.
- Assura Optima Flex Varia
- ÖKK ÖKK START
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Hospital
| Feature | Assura Optima Flex Varia | ÖKK ÖKK START | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | equal |
| Maximum cost share per year | CHF 4’500Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | No verified information | not comparable |
| Acute hospital: maximum days | UnlimitedSource: BVB Optima Flex Varia (09.2019), edition 2027, p. 1 | No verified information | not comparable |
| Ward | Insured freely chooses private, semi-private or general ward at each inpatient stay in a recognised facility; cost share varies by ward.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 1 | No verified information | not comparable |
| Psychiatric clinic: maximum days | No verified information | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Assura Optima Flex Varia | ÖKK ÖKK START | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Other notable benefits | Non-recognised provider: treatment costs up to CHF 300/day and board costs up to CHF 200/day reimbursed.Source: BVB Optima Flex Varia (09.2019), edition 2027, p. 2 | Thermal bath 50% up to 12 entries per year; public transport costs 90% up to CHF 100 per year for treatments far from home; inpatient rehabilitation up to 60 days per year at full cost coverageSource: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
| Family discount | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | not comparable |
| Accident cover included | No verified information | YesSource: AVB ÖKK START 2026, edition 2027, p. 2 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.