ÖKK ÖKK SPITAL SPITAL FLEX MINI vs. SWICA Hospita Hospita Privat: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL FLEX MINI and SWICA Hospita Hospita Privat 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 Privat on 2; both are equal on 3.
- ÖKK ÖKK SPITAL SPITAL FLEX MINI
- SWICA Hospita Hospita Privat
- Compare with other products
- Have your own policy checked: order the report
Hospital
Maternity
| Feature | ÖKK ÖKK SPITAL SPITAL FLEX MINI | SWICA Hospita Hospita Privat | 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 Privat | 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 |
Contract terms
| Feature | ÖKK ÖKK SPITAL SPITAL FLEX MINI | SWICA Hospita Hospita Privat | 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 Privat 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), 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 |
| 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 |
| 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; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.