KPT Spital-Zusatzversicherung Flex Flex Top vs. ÖKK ÖKK START: benefits compared

Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and ÖKK ÖKK START in 4 categories. All values come from the policy terms and are backed by their source.

KPT Spital-Zusatzversicherung Flex Flex Top is better on 0 features, ÖKK ÖKK START on 2; both are equal on 2.

Hospital

Feature	KPT Spital-Zusatzversicherung Flex Flex Top	ÖKK ÖKK START	Result
Ward choice at admission	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2	No verified information	not comparable
Maximum cost share per year	CHF 4’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2	No verified information	not comparable
Psychiatric clinic: maximum days	90Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3	90Source: AVB ÖKK START 2026, edition 2027, p. 3	equal
Rooming-in (per day)	CHF 50Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3	No verified information	not comparable
Ward	General, semi-private or private ward, chosen before admissionSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 2	No verified information	not comparable
Free hospital choice across Switzerland	No verified information	Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2	not comparable

All products in “Hospital” compared

Rescue and transport

Feature	KPT Spital-Zusatzversicherung Flex Flex Top	ÖKK ÖKK START	Result
Rescue cost cap	CHF 30’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4	CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4	ÖKK ÖKK START better
Transport cost cap	CHF 5’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4	CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4	ÖKK ÖKK START better
Repatriation to Switzerland	Not coveredSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 4	No verified information	not comparable
Trips to treatments	No verified information	CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 4	not comparable

All products in “Rescue and transport” compared

Home help

Feature	KPT Spital-Zusatzversicherung Flex Flex Top	ÖKK ÖKK START	Result
Childcare during illness (per day)	CHF 100Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 3	No verified information	not comparable
Daily cap	No verified information	CHF 40Source: AVB ÖKK START 2026, edition 2027, p. 4	not comparable
Annual cap	No verified information	CHF 400Source: AVB ÖKK START 2026, edition 2027, p. 4	not comparable

All products in “Home help” compared

Contract terms

Feature	KPT Spital-Zusatzversicherung Flex Flex Top	ÖKK ÖKK START	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
Upgrade without a health check	YesSource: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5	No verified information	not comparable
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 Top, edition 2027, p. 7	No verified information	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
Accident cover included	No verified information	YesSource: AVB ÖKK START 2026, edition 2027, p. 2	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 coverageSource: 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.