Home Supplementary insurance at a glance KPT Spital-Zusatzversicherung Allgemein vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared KPT Spital-Zusatzversicherung Allgemein vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Allgemein and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 5 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Allgemein is better on 2 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 1; both are equal on 2.
Hospital
Feature
KPT Spital-Zusatzversicherung Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Free hospital choice across Switzerland
Yes Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Psychiatric clinic: maximum days
720 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 KPT Spital-Zusatzversicherung Allgemein better Ward
General ward (Allgemein); services of the insured class Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 General or semi-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 Cost share (percent)
No verified information 35% Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable Ward choice at admission
No verified information Yes 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
KPT Spital-Zusatzversicherung Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Home birth
Yes Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 No verified information not comparable 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 Birth centre
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
KPT Spital-Zusatzversicherung Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Maximum trip duration in days
56 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 No verified information not comparable Trip cancellation costs
CHF 20’000 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 No verified information not comparable Worldwide validity
No verified information Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
KPT Spital-Zusatzversicherung Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Maximum cure days per year
30 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 2 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 ÖKK ÖKK SPITAL SPITAL FLEX MINI better
All products in “Cures and recovery” compared
Contract terms
Feature
KPT Spital-Zusatzversicherung Allgemein
ÖKK ÖKK SPITAL SPITAL FLEX MINI
Result Minimum contract duration in years
1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 KPT Spital-Zusatzversicherung Allgemein better Cancellation notice in months
3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 No verified information not comparable Accident cover included
Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 No verified information not comparable Premium and age
Premium is tiered by age; moving to a higher age band usually raises the premium on 1 January; bands differ for entry up to age 50 and from 51 Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 5 No verified information not comparable Other notable benefits
Inpatient rehabilitation with full cost coverage in the insured ward for up to 60 days within 5 calendar years; hospital services abroad up to CHF 20,000 worldwide Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private ward Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 not comparable Suspension possible
No verified information Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.