Home Supplementary insurance at a glance Atupri Intense vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared Atupri Intense vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of Atupri Intense and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Intense is better on 1 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 1.
Maternity
Feature
Atupri Intense
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Breastfeeding allowance
CHF 200 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 No verified information not comparable Newborns without health check
Yes Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 No verified information not comparable Waiting period in months
No verified information 12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 not comparable Birth centre
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
Atupri Intense
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Worldwide validity
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal Trip cancellation costs
CHF 5’000 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 3 No verified information not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
Atupri Intense
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Spa cure (per day)
CHF 60 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 No verified information not comparable Recovery stay (per day)
CHF 60 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 No verified information not comparable Maximum cure days per year
No verified information 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
Atupri Intense
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Minimum contract duration in years
1 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 2 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 Atupri Intense better Maximum entry age
70 Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 No verified information not comparable Premium and age
Premiums are graded by age band; they can change at the start of the year in which ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65, 70, 75 and 80 are reached. Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 No verified information not comparable Other notable benefits
Covers treatment of obesity (BMI 30+), sleep analyses/training, hair-loss preparations, up to three extra ultrasounds and genetic tests in pregnancy, and breast reduction (BMI max 30). Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 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 Cancellation notice in months
No verified information 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.