Home Supplementary insurance at a glance EGK EGK-SUN EGK-SUN-Flex vs. ÖKK ÖKK START: benefits compared EGK EGK-SUN EGK-SUN-Flex vs. ÖKK ÖKK START: benefits compared
Direct comparison of EGK EGK-SUN EGK-SUN-Flex and ÖKK ÖKK START in 5 categories. All values come from the policy terms and are backed by their source.
EGK EGK-SUN EGK-SUN-Flex is better on 3 features, ÖKK ÖKK START on 1; both are equal on 5.
Hospital
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK START
Result Free hospital choice across Switzerland
Yes Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 Not covered Source: AVB ÖKK START 2026, edition 2027, p. 2 EGK EGK-SUN EGK-SUN-Flex better Ward choice at admission
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 No verified information not comparable 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 START 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 No verified information not comparable
All products in “Hospital” compared
Cures and recovery
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK START
Result Spa cure (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 CHF 30 Source: AVB ÖKK START 2026, edition 2027, p. 4 EGK EGK-SUN EGK-SUN-Flex better Recovery stay (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 CHF 50 Source: AVB ÖKK START 2026, edition 2027, p. 4 equal Maximum cure days per year
21 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 21 Source: AVB ÖKK START 2026, edition 2027, p. 4 equal
All products in “Cures and recovery” compared
Home help
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK START
Result Home nursing (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6 No verified information not comparable Childcare during illness (per day)
CHF 50 Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6 No verified information not comparable Daily cap
No verified information CHF 40 Source: AVB ÖKK START 2026, edition 2027, p. 4 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
Contract terms
Feature
EGK EGK-SUN EGK-SUN-Flex
ÖKK ÖKK START
Result Minimum contract duration in years
1 Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 No verified information not comparable Cancellation notice in months
3 months Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 No verified information not comparable 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 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Family discount
Yes Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 equal 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 No verified information not comparable Accident cover included
Not covered Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 ÖKK ÖKK START better 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.