KPT Spital-Zusatzversicherung Flex Flex Top vs. ÖKK ÖKK TOURIST TOURIST 50/100: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Flex Flex Top and ÖKK ÖKK TOURIST TOURIST 50/100 in 3 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Flex Flex Top is better on 2 features, ÖKK ÖKK TOURIST TOURIST 50/100 on 0; both are equal on 2.
- KPT Spital-Zusatzversicherung Flex Flex Top
- ÖKK ÖKK TOURIST TOURIST 50/100
- Compare with other products
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Travel abroad
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | ÖKK ÖKK TOURIST TOURIST 50/100 | Result |
|---|---|---|---|
| Maximum trip duration in days | 56Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | 17Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | KPT Spital-Zusatzversicherung Flex Flex Top better |
| Trip cancellation costs | CHF 20’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | CHF 20’000Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 8 | equal |
| Worldwide validity | No verified information | YesSource: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | not comparable |
| 24h emergency line and assistance | No verified information | YesSource: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | ÖKK ÖKK TOURIST TOURIST 50/100 | 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 |
| Prerequisite | No verified information | Insured must have mandatory basic insurance (KVG) and legal residence in Switzerland (or Liechtenstein).Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Legal protection
| Feature | KPT Spital-Zusatzversicherung Flex Flex Top | ÖKK ÖKK TOURIST TOURIST 50/100 | Result |
|---|---|---|---|
| Legal protection abroad per case | CHF 300’000Source: Besondere Bedingungen Spital-Zusatzversicherung Flex Top, edition 2027, p. 5 | CHF 100’000Source: AVB ÖKK TOURIST 2026 (Ausgabe 1.1.2022), edition 2027, p. 6 | KPT Spital-Zusatzversicherung Flex Flex Top better |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.