Atupri Comforta Comforta Opti 2 vs. ÖKK ÖKK START: benefits compared
Direct comparison of Atupri Comforta Comforta Opti 2 and ÖKK ÖKK START in 2 categories. All values come from the policy terms and are backed by their source.
Atupri Comforta Comforta Opti 2 is better on 0 features, ÖKK ÖKK START on 0; both are equal on 2.
- Atupri Comforta Comforta Opti 2
- ÖKK ÖKK START
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Hospital
| Feature | Atupri Comforta Comforta Opti 2 | ÖKK ÖKK START | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | equal |
| Ward choice at admission | YesSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Cost share semi-private (percent) | 20%Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Cost share private (percent) | 30%Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Maximum cost share per year | CHF 4’000Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Coverage in non-listed hospitals | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 90Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | equal |
| Acute hospital: maximum days | UnlimitedSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Ward | General, semi-private or private ward of choice, with corresponding cost share (Opti)Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
Contract terms
| Feature | Atupri Comforta Comforta Opti 2 | ÖKK ÖKK START | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | No verified information | not comparable |
| Prerequisite | Comforta can only be taken out together with Mivita and ends automatically when Mivita ends.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
| Premium and age | Premium depends on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 or 70 is reached.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
| Notable exclusions | No benefits for outpatient treatment (except Art. 7.3), personal expenses, hospital costs linked to dental treatment, and certain organ transplants with case-rate agreements; only listed or contracted hospitals.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Other notable benefits | Uncovered costs of the healthy newborn in a semi-private/private ward are paid from the mother's Comforta; optional extended hospital choice variant against surcharge.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | 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 |
| Insurer does not cancel after a claim | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | 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.