ÖKK ÖKK NATUR NATUR PLUS vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of ÖKK ÖKK NATUR NATUR PLUS and Visana Ambulant VIVA Ambulant VIVA III in 2 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK NATUR NATUR PLUS is better on 0 features, Visana Ambulant VIVA Ambulant VIVA III on 0; both are equal on 1.
- ÖKK ÖKK NATUR NATUR PLUS
- Visana Ambulant VIVA Ambulant VIVA III
- Compare with other products
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Glasses and contact lenses
| Feature | ÖKK ÖKK NATUR NATUR PLUS | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Laser eye surgery | CHF 500Source: AVB ÖKK NATUR 2026, edition 2027, p. 3 | No verified information | not comparable |
| Children's rule applies up to age | No verified information | 18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | not comparable |
Contract terms
| Feature | ÖKK ÖKK NATUR NATUR PLUS | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB ÖKK NATUR 2026, edition 2027, p. 2 | No verified information | not comparable |
| Maximum entry age | 60Source: AVB ÖKK NATUR 2026, edition 2027, p. 2 | No verified information | not comparable |
| Family discount | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | equal |
| Upgrade without a health check | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 4 | No verified information | not comparable |
| Prerequisite | Requires the base module ÖKK START to be held.Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 4 | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Insurer does not cancel after a claim | No verified information | YesSource: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Premium and age | No verified information | Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
| Notable exclusions | No verified information | Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Other notable benefits | No verified information | Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.