Home Supplementary insurance at a glance Assura Optima Plus Varia vs. ÖKK ÖKK SPITAL SPITAL HALBPRIVAT: benefits compared Assura Optima Plus Varia vs. ÖKK ÖKK SPITAL SPITAL HALBPRIVAT: benefits compared
Direct comparison of Assura Optima Plus Varia and ÖKK ÖKK SPITAL SPITAL HALBPRIVAT 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 HALBPRIVAT on 2; both are equal on 3.
Hospital
Feature
Assura Optima Plus Varia
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
Result Free hospital choice across Switzerland
Not covered Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 ÖKK ÖKK SPITAL SPITAL HALBPRIVAT better Psychiatric clinic: maximum days
Not covered Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 2 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 ÖKK ÖKK SPITAL SPITAL HALBPRIVAT better Acute hospital: maximum days
Unlimited Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 No verified information not comparable Ward
Private ward (single room) in an institution approved by Assura Source: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 Semi-private ward in Switzerland (two-bed room) Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Allowance for staying in a lower ward (per day)
No verified information CHF 300 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Travel abroad
Feature
Assura Optima Plus Varia
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal
All products in “Travel abroad” compared
Cures and recovery
Feature
Assura Optima Plus Varia
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
Result Recovery stay (per day)
Not covered Source: 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 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
Assura Optima Plus Varia
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
Result Minimum contract duration in years
3 Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: 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 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.