Home Supplementary insurance at a glance Assura Ultra Varia vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared Assura Ultra Varia vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Assura Ultra Varia and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 3 categories. All values come from the policy terms and are backed by their source.
Assura Ultra Varia is better on 0 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 3.
Hospital
Feature
Assura Ultra Varia
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Ward
Private ward (Privatabteilung) hospital stay costs Source: BVB Ultra Varia (08.2022), edition 2027, p. 1 General or semi-private ward in Switzerland, with cost share Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Free hospital choice across Switzerland
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable Cost share (percent)
No verified information 35% Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable Ward choice at admission
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable Psychiatric clinic: maximum days
No verified information 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Hospital” compared
Travel abroad
Feature
Assura Ultra Varia
ÖKK ÖKK SPITAL SPITAL FLEX MINI
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
Contract terms
Feature
Assura Ultra Varia
ÖKK ÖKK SPITAL SPITAL FLEX MINI
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 Suspension possible
No verified information Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 not comparable Other notable benefits
No verified information Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private ward Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.