Assura Optima Varia vs. ÖKK ÖKK PROTECT: benefits compared
Direct comparison of Assura Optima Varia and ÖKK ÖKK PROTECT in 2 categories. All values come from the policy terms and are backed by their source.
Assura Optima Varia is better on 0 features, ÖKK ÖKK PROTECT on 0; both are equal on 2.
- Assura Optima Varia
- ÖKK ÖKK PROTECT
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Travel abroad
| Feature | Assura Optima Varia | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2 | YesSource: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 2 | equal |
Contract terms
| Feature | Assura Optima Varia | ÖKK ÖKK PROTECT | 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 |
| Premium and age | Premium varies with effective age, adjusted on 1 January of the year the insured turns 19, 26, 31, 36 ... up to 91.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | Pre-existing conditions, prior accidents, psychiatric illness, palliative care, overweight and maternity excluded; only approved facilities with Assura list.Source: BVB Optima Varia (07.2015), edition 2027, p. 2 | Legal protection only in connection with health damage; excludes disputes about psychiatric/psychotherapeutic treatment, fees and invoices, ÖKK premium invoices, defence against damage claims, and cases not expressly listed or occurring before the policy started.Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
| Other notable benefits | Special nursing care in hospital up to CHF 500 per calendar year.Source: BVB Optima 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.