Atupri Mivita Reala vs. ÖKK ÖKK PROTECT: benefits compared
Direct comparison of Atupri Mivita Reala and ÖKK ÖKK PROTECT in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 0 features, ÖKK ÖKK PROTECT on 0; both are equal on 4.
- Atupri Mivita Reala
- ÖKK ÖKK PROTECT
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Travel abroad
| Feature | Atupri Mivita Reala | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 2 | equal |
| Planned treatment abroad | Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | No verified information | not comparable |
| 24h emergency line and assistance | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 | No verified information | not comparable |
| Trip cancellation costs | CHF 5’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | No verified information | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | ÖKK ÖKK PROTECT | 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 |
| Maximum entry age | 70Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Premium and age | Premiums are set by current age in age classes and generally rise with age; the premium changes at ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70.Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | No verified information | not comparable |
| Notable exclusions | Benefits only for treatment in Switzerland (except emergencies, glasses/aids, spa cures Extensa); no benefits for outpatient hospital treatment, chronic inpatient care, or semi-private/private ward stays; benefits depend on age and sex life phase.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 | 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 |
| Suspension possible | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | not comparable |
Legal protection
| Feature | Atupri Mivita Reala | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 250’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | equal |
| Legal protection abroad per case | CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 50’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | equal |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.