Home Supplementary insurance at a glance KPT Pulse Pulse Top vs. ÖKK ÖKK START: benefits compared KPT Pulse Pulse Top vs. ÖKK ÖKK START: benefits compared
Direct comparison of KPT Pulse Pulse Top and ÖKK ÖKK START in 4 categories. All values come from the policy terms and are backed by their source.
KPT Pulse Pulse Top is better on 2 features, ÖKK ÖKK START on 2; both are equal on 4.
Medicines and medical aids
Feature
KPT Pulse Pulse Top
ÖKK ÖKK START
Result Medicines outside the SL (percent)
90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 90% Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medicines outside the SL: maximum
CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 CHF 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 KPT Pulse Pulse Top better Medical aids: annual cap
CHF 300 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medical aids (percent)
No verified information 50% Source: AVB ÖKK START 2026, edition 2027, p. 3 not comparable
All products in “Medicines and medical aids” compared
Contract terms
Feature
KPT Pulse Pulse Top
ÖKK ÖKK START
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Cancellation notice in months
3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 equal 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 Family discount
No verified information Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 not comparable 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.