Atupri Spital Spital Allgemein vs. ÖKK ÖKK TOURIST: benefits compared
Direct comparison of Atupri Spital Spital Allgemein and ÖKK ÖKK TOURIST in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Allgemein is better on 0 features, ÖKK ÖKK TOURIST on 1; both are equal on 2.
- Atupri Spital Spital Allgemein
- ÖKK ÖKK TOURIST
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Travel abroad
| Feature | Atupri Spital Spital Allgemein | ÖKK ÖKK TOURIST | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | equal |
| Planned treatment abroad | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 17Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | not comparable |
| 24h emergency line and assistance | No verified information | YesSource: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 8 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Allgemein | ÖKK ÖKK TOURIST | 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 |
| 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 |
| Family discount | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | No verified information | not comparable |
| Premium and age | Premium is based 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 and 70 is reached.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Notable exclusions | Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Other notable benefits | Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Prerequisite | No verified information | Insured must have mandatory basic insurance (KVG) and legal residence in Switzerland (or Liechtenstein).Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Legal protection
| Feature | Atupri Spital Spital Allgemein | ÖKK ÖKK TOURIST | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | No verified information | not comparable |
| Legal protection abroad per case | CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 100’000Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 6 | ÖKK ÖKK TOURIST better |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.