Home Supplementary insurance at a glance ÖKK ÖKK SPITAL SPITAL FLEX MINI vs. ÖKK ÖKK SPITAL SPITAL GLOBAL: benefits compared ÖKK ÖKK SPITAL SPITAL FLEX MINI vs. ÖKK ÖKK SPITAL SPITAL GLOBAL: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL FLEX MINI and ÖKK ÖKK SPITAL SPITAL GLOBAL in 5 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL SPITAL FLEX MINI is better on 0 features, ÖKK ÖKK SPITAL SPITAL GLOBAL on 0; both are equal on 9.
Hospital
Feature
ÖKK ÖKK SPITAL SPITAL FLEX MINI
ÖKK ÖKK SPITAL SPITAL GLOBAL
Result Free hospital choice across Switzerland
Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Cost share (percent)
35% Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 No verified information not comparable Ward choice at admission
Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 No verified information not comparable Psychiatric clinic: maximum days
90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 90 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal Ward
General or semi-private ward in Switzerland, with cost share Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 Private ward worldwide (single room) Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Allowance for staying in a lower ward (per day)
No verified information CHF 400 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Maternity
Feature
ÖKK ÖKK SPITAL SPITAL FLEX MINI
ÖKK ÖKK SPITAL SPITAL GLOBAL
Result Waiting period in months
12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 equal Birth centre
Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal
All products in “Maternity” compared
Travel abroad
Feature
ÖKK ÖKK SPITAL SPITAL FLEX MINI
ÖKK ÖKK SPITAL SPITAL GLOBAL
Result Worldwide validity
Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal Emergency cover cap
No verified information Unlimited Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable Planned treatment abroad
No verified information Unlimited Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
ÖKK ÖKK SPITAL SPITAL FLEX MINI
ÖKK ÖKK SPITAL SPITAL GLOBAL
Result Maximum cure days per year
60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal
All products in “Cures and recovery” compared
Contract terms
Feature
ÖKK ÖKK SPITAL SPITAL FLEX MINI
ÖKK ÖKK SPITAL SPITAL GLOBAL
Result Minimum contract duration in years
3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Suspension possible
Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 equal Other notable benefits
Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private ward Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.