ÖKK ÖKK SPITAL PRIVAT UNFALL vs. SWICA Praevita: benefits compared
Direct comparison of ÖKK ÖKK SPITAL PRIVAT UNFALL and SWICA Praevita in 1 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL PRIVAT UNFALL is better on 0 features, SWICA Praevita on 0; both are equal on 1.
- ÖKK ÖKK SPITAL PRIVAT UNFALL
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Contract terms
| Feature | ÖKK ÖKK SPITAL PRIVAT UNFALL | SWICA Praevita | 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 | No verified information | not comparable |
| 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 | No verified information | 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 | No verified information | not comparable |
| Prerequisite | No verified information | Requires an existing Completa Top or Completa Forte supplementary insurance with SWICA; Praevita ends when it ends.Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Premium and age | No verified information | Age-based (Lebensalter) tariff; premiums adjust with age groups 0–18, 19–25, 26–30 and then five-year steps up to 71+.Source: ZB Praevita (VVG), edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.