KPT Pulse Pulse Top vs. ÖKK ÖKK PROTECT: benefits compared
Direct comparison of KPT Pulse Pulse Top and ÖKK ÖKK PROTECT in 3 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Top is better on 1 features, ÖKK ÖKK PROTECT on 0; both are equal on 1.
- KPT Pulse Pulse Top
- ÖKK ÖKK PROTECT
- Compare with other products
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Travel abroad
| Feature | KPT Pulse Pulse Top | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Maximum trip duration in days | 56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 | No verified information | not comparable |
| Trip cancellation costs | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 | No verified information | not comparable |
| Worldwide validity | No verified information | YesSource: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 2 | not comparable |
Contract terms
| Feature | KPT Pulse Pulse Top | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Accident cover included | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | No verified information | not comparable |
| Prerequisite | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | No verified information | not comparable |
| Premium and age | Premiums are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 5 | No verified information | not comparable |
| Suspension possible | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | not comparable |
| Notable exclusions | No verified information | Legal protection only in connection with health damage; excludes disputes about psychiatric/psychotherapeutic treatment, fees and invoices, ÖKK premium invoices, defence against damage claims, and cases not expressly listed or occurring before the policy started.Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Legal protection
| Feature | KPT Pulse Pulse Top | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 300’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 | CHF 250’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | KPT Pulse Pulse Top better |
| Legal protection abroad per case | No verified information | CHF 50’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.