Assura Optima Plus Varia vs. ÖKK ÖKK SPITAL SPITAL FLEX: benefits compared
Direct comparison of Assura Optima Plus Varia and ÖKK ÖKK SPITAL SPITAL FLEX in 4 categories. All values come from the policy terms and are backed by their source.
Assura Optima Plus Varia is better on 0 features, ÖKK ÖKK SPITAL SPITAL FLEX on 2; both are equal on 3.
- Assura Optima Plus Varia
- ÖKK ÖKK SPITAL SPITAL FLEX
- Compare with other products
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Hospital
Travel abroad
| Feature | Assura Optima Plus Varia | ÖKK ÖKK SPITAL SPITAL FLEX | 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 Optima Plus Varia | ÖKK ÖKK SPITAL SPITAL FLEX | 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 Optima Plus Varia | ÖKK ÖKK SPITAL SPITAL FLEX | 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 |
| Notable exclusions | Excluded: pre-existing conditions, prior accidents, mental illness, palliative care, obesity, maternity; only approved providers (benefits in kind).Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 2 | No verified information | not comparable |
| Other notable benefits | Special nursing care in hospital up to CHF 1,000 per calendar year; treatment in non-approved institution reimbursed up to CHF 300 per day.Source: BVB Optima Plus Varia (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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.