ÖKK ÖKK PRÄVENTION vs. SWICA Optima: benefits compared
Direct comparison of ÖKK ÖKK PRÄVENTION and SWICA Optima in 3 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK PRÄVENTION is better on 0 features, SWICA Optima on 3; both are equal on 2.
- ÖKK ÖKK PRÄVENTION
- SWICA Optima
- Compare with other products
- Have your own policy checked: order the report
Prevention
| Feature | ÖKK ÖKK PRÄVENTION | SWICA Optima | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 3 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | equal |
| Vaccinations: annual cap | CHF 200Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 3 | No verified information | not comparable |
| Health check-up | CHF 300Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 2 | UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Gynaecological screening (percent) | 90%Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 2 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | equal |
| Coverage (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Annual cap | No verified information | CHF 300Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Fitness
| Feature | ÖKK ÖKK PRÄVENTION | SWICA Optima | Result |
|---|---|---|---|
| Contribution (percent of cost) | 50%Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 3 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
Contract terms
| Feature | ÖKK ÖKK PRÄVENTION | SWICA Optima | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB ÖKK PRÄVENTION 2026, edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Optima better |
| Insurer does not cancel after a claim | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | No verified information | not comparable |
| Prerequisite | Requires the basic module ÖKK START to be held.Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 4 | No verified information | not comparable |
| Cancellation notice in months | No verified information | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | not comparable |
| Notable exclusions | No verified information | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.