ÖKK ÖKK SPITAL PRIVAT UNFALL vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of ÖKK ÖKK SPITAL PRIVAT UNFALL 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 SPITAL PRIVAT UNFALL is better on 0 features, Visana Ambulant VIVA Ambulant VIVA III on 2; both are equal on 2.
- ÖKK ÖKK SPITAL PRIVAT UNFALL
- Visana Ambulant VIVA Ambulant VIVA III
- Compare with other products
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Rescue and transport
| Feature | ÖKK ÖKK SPITAL PRIVAT UNFALL | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Rescue cost cap | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III better |
| Transport cost cap | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III 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 | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Cancellation notice in months | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | No verified information | not comparable |
| 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 Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| 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 |
| 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 | 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 | 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 | 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 |
| 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 |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.