Assura Optima Plus Varia vs. ÖKK ÖKK START: benefits compared
Direct comparison of Assura Optima Plus Varia and ÖKK ÖKK START in 3 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 START on 2; both are equal on 2.
- Assura Optima Plus Varia
- ÖKK ÖKK START
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Hospital
| Feature | Assura Optima Plus Varia | ÖKK ÖKK START | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | equal |
| Psychiatric clinic: maximum days | Not coveredSource: BVB Optima Plus Varia (07.2015), edition 2027, p. 2 | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | ÖKK ÖKK START better |
| Acute hospital: maximum days | UnlimitedSource: 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 AssuraSource: BVB Optima Plus Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
Cures and recovery
| Feature | Assura Optima Plus Varia | ÖKK ÖKK START | Result |
|---|---|---|---|
| Recovery stay (per day) | Not coveredSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 1 | CHF 50Source: AVB ÖKK START 2026, edition 2027, p. 4 | ÖKK ÖKK START better |
| Spa cure (per day) | No verified information | CHF 30Source: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
| Maximum cure days per year | No verified information | 21Source: AVB ÖKK START 2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Assura Optima Plus 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 |
| 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 | 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.