ÖKK ÖKK SPITAL SPITAL FLEX MINI vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL FLEX MINI and SWICA Hospita Hospita Allgemein in 4 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL SPITAL FLEX MINI is better on 1 features, SWICA Hospita Hospita Allgemein on 1; both are equal on 3.
- ÖKK ÖKK SPITAL SPITAL FLEX MINI
- SWICA Hospita Hospita Allgemein
- Compare with other products
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Hospital
Maternity
| Feature | ÖKK ÖKK SPITAL SPITAL FLEX MINI | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | equal |
| Birth centre | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | No verified information | not comparable |
Cures and recovery
| Feature | ÖKK ÖKK SPITAL SPITAL FLEX MINI | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Maximum cure days per year | 60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | ÖKK ÖKK SPITAL SPITAL FLEX MINI better |
| Spa cure (per day) | No verified information | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
| Recovery stay (per day) | No verified information | CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Contract terms
| Feature | ÖKK ÖKK SPITAL SPITAL FLEX MINI | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Hospita Hospita Allgemein better |
| 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 |
| Suspension possible | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | No verified information | not comparable |
| Other notable benefits | Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private wardSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
| Insurer does not cancel after a claim | No verified information | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | 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 |
| Notable exclusions | No verified information | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.