Home Supplementary insurance at a glance KPT Spital-Zusatzversicherung Halbprivat vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared KPT Spital-Zusatzversicherung Halbprivat vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared
Direct comparison of KPT Spital-Zusatzversicherung Halbprivat and ÖKK ÖKK SPITAL SPITAL PRIVAT in 5 categories. All values come from the policy terms and are backed by their source.
KPT Spital-Zusatzversicherung Halbprivat is better on 2 features, ÖKK ÖKK SPITAL SPITAL PRIVAT on 1; both are equal on 2.
Hospital
Feature
KPT Spital-Zusatzversicherung Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 Halbprivat better Ward
Semi-private ward (Halbprivat); services of the insured class Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 1 Private ward in Switzerland (single room) Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Allowance for staying in a lower ward (per day)
No verified information CHF 400 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 Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 PRIVAT better
All products in “Cures and recovery” compared
Contract terms
Feature
KPT Spital-Zusatzversicherung Halbprivat
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 Halbprivat 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: full coverage in Europe/Mediterranean, up to CHF 50,000 rest of world Source: Besondere Bedingungen Spital-Zusatzversicherung (Allgemein, Halbprivat, Privat), edition 2027, p. 4 No verified information 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.