KPT Spital-Zusatzversicherung Flex Flex Eco vs. ÖKK ÖKK SPITAL PRIVAT UNFALL: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Eco and ÖKK ÖKK SPITAL PRIVAT UNFALL in 3 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Flex Flex Eco is better on 1 features, ÖKK ÖKK SPITAL PRIVAT UNFALL on 2; both are equal on 2.
- KPT Spital-Zusatzversicherung Flex Flex Eco
- ÖKK ÖKK SPITAL PRIVAT UNFALL
- Compare with other products
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Hospital
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | ÖKK ÖKK SPITAL PRIVAT UNFALL | Result |
|---|---|---|---|
| Ward choice at admission | YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 1 | No verified information | not comparable |
| Maximum cost share per year | CHF 6’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 45Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 2 | Not coveredSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | KPT Spital-Zusatzversicherung Flex Flex Eco better |
| Ward | General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 1 | Private ward (Abteilung privat) for accident-related hospital staysSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | not comparable |
Rescue and transport
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | ÖKK ÖKK SPITAL PRIVAT UNFALL | Result |
|---|---|---|---|
| Rescue cost cap | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | ÖKK ÖKK SPITAL PRIVAT UNFALL better |
| Transport cost cap | CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | ÖKK ÖKK SPITAL PRIVAT UNFALL better |
| Repatriation to Switzerland | Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 3 | No verified information | not comparable |
| Trips to treatments | No verified information | CHF 300Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Flex Flex Eco | ÖKK ÖKK SPITAL PRIVAT UNFALL | 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 | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| 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 |
| Premium and age | Premium is age-tiered in 5-year bands (0–5, 6–10, 11–18, then 5-year steps to 91+); change on 1 January of the year the age is reached.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4 | No verified information | not comparable |
| Other notable benefits | Contribution to consulting services around treatments and procedures per a published list; newborn's stay and care costs covered.Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Eco, edition 2027, p. 4 | Search actions up to CHF 10'000 per year; aids after accident hospital stay up to CHF 30'000 per year; public transport costs 90% up to CHF 300; private consultations with non-KVG hospital doctors at recognised tariff.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | not comparable |
| Family discount | No verified information | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | not comparable |
| Notable exclusions | No verified information | No benefits for psychiatric treatment; only accident-related; cover in Switzerland, worldwide only in emergencies; non-recognised providers (negative list) not covered; KVG cost sharing and hospital daily contribution not insured.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.