Home Supplementary insurance at a glance ÖKK ÖKK SPITAL SPITAL FLEX vs. SWICA Hospita Hospita Allgemein: benefits compared ÖKK ÖKK SPITAL SPITAL FLEX vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL FLEX 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 is better on 1 features, SWICA Hospita Hospita Allgemein on 1; both are equal on 3.
Hospital
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
SWICA Hospita Hospita Allgemein
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: ZB Hospita (VVG), Ausgabe 2027, 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 No verified information not comparable 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 General ward of SWICA-recognised hospitals in Switzerland and Liechtenstein Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 not comparable Acute hospital: maximum days
No verified information Unlimited Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Maternity
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
SWICA Hospita Hospita Allgemein
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: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 equal Birth centre
Yes 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 “Maternity” compared
Cures and recovery
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
SWICA Hospita Hospita Allgemein
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 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 ÖKK ÖKK SPITAL SPITAL FLEX better Spa cure (per day)
No verified information CHF 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 not comparable Recovery stay (per day)
No verified information CHF 15 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
ÖKK ÖKK SPITAL SPITAL FLEX
SWICA Hospita Hospita Allgemein
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 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 SWICA Hospita Hospita Allgemein better 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: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Suspension possible
Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 No verified information not comparable Insurer does not cancel after a claim
No verified information Yes Source: 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 covered Source: 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 50 Source: 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 care Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable Other notable benefits
No verified information 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.