Atupri Spital Spital Opti 2 vs. ÖKK ÖKK START: benefits compared
Direct comparison of Atupri Spital Spital Opti 2 and ÖKK ÖKK START in 2 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 2 is better on 0 features, ÖKK ÖKK START on 0; both are equal on 4.
- Atupri Spital Spital Opti 2
- ÖKK ÖKK START
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Hospital
| Feature | Atupri Spital Spital Opti 2 | ÖKK ÖKK START | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | equal |
| Ward choice at admission | YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Cost share semi-private (percent) | 20%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Cost share private (percent) | 30%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Maximum cost share per year | CHF 4’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Coverage in non-listed hospitals | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 90Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | equal |
| Rooming-in (per day) | CHF 50Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Ward | General, semi-private or private ward of the insured's choice, with corresponding cost share.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
Contract terms
| Feature | Atupri Spital Spital 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 |
| 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 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | equal |
| 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 | 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 |
| 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.