ÖKK ÖKK SPITAL PRIVAT UNFALL vs. SWICA Hospita Hospita Privat: benefits compared
Direct comparison of ÖKK ÖKK SPITAL PRIVAT UNFALL and SWICA Hospita Hospita Privat in 3 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL PRIVAT UNFALL is better on 1 features, SWICA Hospita Hospita Privat on 2; both are equal on 2.
- ÖKK ÖKK SPITAL PRIVAT UNFALL
- SWICA Hospita Hospita Privat
- Compare with other products
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Hospital
| Feature | ÖKK ÖKK SPITAL PRIVAT UNFALL | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Psychiatric clinic: maximum days | Not coveredSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | 720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | SWICA Hospita Hospita Privat better |
| Ward | Private ward (Abteilung privat) for accident-related hospital staysSource: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | Private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | not comparable |
| Free hospital choice across Switzerland | No verified information | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | not comparable |
| Acute hospital: maximum days | No verified information | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Rooming-in (per day) | No verified information | CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Rescue and transport
| Feature | ÖKK ÖKK SPITAL PRIVAT UNFALL | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Rescue cost cap | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | ÖKK ÖKK SPITAL PRIVAT UNFALL better |
| Transport cost cap | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | SWICA Hospita Hospita Privat better |
| Trips to treatments | CHF 300Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | No verified information | not comparable |
Contract terms
| Feature | ÖKK ÖKK SPITAL PRIVAT UNFALL | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Cancellation notice in months | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Family discount | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | No verified information | not comparable |
| Notable exclusions | No benefits for psychiatric treatment; only accident-related; cover in Switzerland, worldwide only in emergencies; non-recognised providers (negative list) not covered; KVG cost sharing and hospital daily contribution not insured.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | Extra costs of medically necessary out-of-canton treatment not covered; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Other notable benefits | Search actions up to CHF 10'000 per year; aids after accident hospital stay up to CHF 30'000 per year; public transport costs 90% up to CHF 300; private consultations with non-KVG hospital doctors at recognised tariff.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 5Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
| Minimum contract duration in years | No verified information | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | not comparable |
| Premium and age | No verified information | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.