Assura Optima Varia vs. ÖKK ÖKK SPITAL PRIVAT UNFALL: benefits compared
Direct comparison of Assura Optima Varia and ÖKK ÖKK SPITAL PRIVAT UNFALL 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 SPITAL PRIVAT UNFALL on 0; both are equal on 2.
- Assura Optima Varia
- ÖKK ÖKK SPITAL PRIVAT UNFALL
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Hospital
| Feature | Assura Optima Varia | ÖKK ÖKK SPITAL PRIVAT UNFALL | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Acute hospital: maximum days | UnlimitedSource: BVB Optima Varia (07.2015), edition 2027, p. 1 | No verified information | not comparable |
| Psychiatric clinic: maximum days | No verified information | Not coveredSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | not comparable |
| Ward | No verified information | Private ward (Abteilung privat) for accident-related hospital staysSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Assura Optima Varia | ÖKK ÖKK SPITAL PRIVAT UNFALL | 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 | 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 | 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 | No benefits for psychiatric treatment; only accident-related; cover in Switzerland, worldwide only in emergencies; non-recognised providers (negative list) not covered; KVG cost sharing and hospital daily contribution not insured.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | 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 | Search actions up to CHF 10'000 per year; aids after accident hospital stay up to CHF 30'000 per year; public transport costs 90% up to CHF 300; private consultations with non-KVG hospital doctors at recognised tariff.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.