Home Supplementary insurance at a glance Atupri Mivita Reala vs. ÖKK ÖKK START: benefits compared Atupri Mivita Reala vs. ÖKK ÖKK START: benefits compared
Direct comparison of Atupri Mivita Reala and ÖKK ÖKK START in 8 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 4 features, ÖKK ÖKK START on 2; both are equal on 6.
Outpatient
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Sterilisation
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9 CHF 1’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Contraception (percent)
60% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable Contraception: annual cap
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable
All products in “Outpatient” compared
Medicines and medical aids
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Medicines outside the SL (percent)
90% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 90% Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medical aids (percent)
50% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 50% Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medical aids: annual cap
CHF 750 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 Atupri Mivita Reala better Medicines outside the SL: maximum
No verified information CHF 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Contribution for adults
CHF 300 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 CHF 80 Source: AVB ÖKK START 2026, edition 2027, p. 3 Atupri Mivita Reala better Period for adults in months
12 months Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 12 months Source: AVB ÖKK START 2026, edition 2027, p. 3 equal
All products in “Glasses and contact lenses” compared
Cures and recovery
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Spa cure (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 30 Source: AVB ÖKK START 2026, edition 2027, p. 4 Atupri Mivita Reala better Recovery stay (per day)
CHF 60 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 CHF 50 Source: AVB ÖKK START 2026, edition 2027, p. 4 Atupri Mivita Reala better Maximum cure days per year
10 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 21 Source: AVB ÖKK START 2026, edition 2027, p. 4 ÖKK ÖKK START better
All products in “Cures and recovery” compared
Home help
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Daily cap
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 CHF 40 Source: AVB ÖKK START 2026, edition 2027, p. 4 equal Maximum number of days
30 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 No verified information not comparable Home nursing (per day)
CHF 40 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 No verified information not comparable Annual cap
No verified information CHF 400 Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Home help” compared
Psychotherapy
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Coverage (percent)
60% Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable Annual cap
CHF 1’000 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 No verified information not comparable Therapist requirements
Psychologists and other professionals with a cantonal licence for independent practice or membership of SPV, SBAP or FSP. Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 Psychotherapist must hold cantonal licence for independent practice Source: AVB ÖKK START 2026, edition 2027, p. 3 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
Atupri Mivita Reala
ÖKK ÖKK START
Result Minimum contract duration in years
1 Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 No verified information not comparable Cancellation notice in months
3 months Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 No verified information not comparable Maximum entry age
70 Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 Yes Source: 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 No verified information not comparable Family discount
No verified information Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 not comparable Accident cover included
No verified information Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 not comparable Other notable benefits
No verified information 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 coverage Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.