Home Supplementary insurance at a glance EGK EGK-SUN EGK-SUN-Flex vs. ÖKK ÖKK SPITAL SPITAL FLEX: benefits compared EGK EGK-SUN EGK-SUN-Flex vs. ÖKK ÖKK SPITAL SPITAL FLEX: benefits compared
Direct comparison of EGK EGK-SUN EGK-SUN-Flex and ÖKK ÖKK SPITAL SPITAL FLEX in 4 categories. All values come from the policy terms and are backed by their source.
EGK EGK-SUN EGK-SUN-Flex is better on 1 features, ÖKK ÖKK SPITAL SPITAL FLEX on 1; both are equal on 6.
Hospital
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK SPITAL SPITAL FLEX
Result Free hospital choice across Switzerland
Yes Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Ward choice at admission
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 equal Cost share semi-private (percent)
15% Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 No verified information not comparable Cost share private (percent)
25% Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 No verified information not comparable Psychiatric clinic: maximum days
90 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Ward
Ward class chosen by the insured before the stay (general, semi-private or private) Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 General, semi-private or private ward in Switzerland, with cost share Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Maximum cost share per year
No verified information CHF 1’500 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Maternity
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK SPITAL SPITAL FLEX
Result Birth centre
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal 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
All products in “Maternity” compared
Cures and recovery
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK SPITAL SPITAL FLEX
Result Spa cure (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 No verified information not comparable Recovery stay (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 No verified information not comparable Maximum cure days per year
21 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 ÖKK ÖKK SPITAL SPITAL FLEX better
All products in “Cures and recovery” compared
Contract terms
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK SPITAL SPITAL FLEX
Result Minimum contract duration in years
1 Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 EGK EGK-SUN EGK-SUN-Flex better Cancellation notice in months
3 months Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Maximum entry age
60 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 No verified information not comparable Family discount
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9 No verified information not comparable Upgrade without a health check
Not covered Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5 No verified information not comparable Suspension possible
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 equal Accident cover included
Not covered Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.