Home Supplementary insurance at a glance ÖKK ÖKK SPITAL SPITAL FLEX vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared ÖKK ÖKK SPITAL SPITAL FLEX vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL FLEX and ÖKK ÖKK SPITAL SPITAL PRIVAT in 5 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL SPITAL FLEX is better on 0 features, ÖKK ÖKK SPITAL SPITAL PRIVAT on 0; both are equal on 9.
Hospital
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 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 Maximum cost share per year
CHF 1’500 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, semi-private or 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 in Switzerland (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
ÖKK ÖKK SPITAL SPITAL PRIVAT
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
ÖKK ÖKK SPITAL SPITAL PRIVAT
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
All products in “Travel abroad” compared
Cures and recovery
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
ÖKK ÖKK SPITAL SPITAL PRIVAT
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
ÖKK ÖKK SPITAL SPITAL PRIVAT
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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.