Home Supplementary insurance at a glance ÖKK ÖKK SPITAL SPITAL HALBPRIVAT vs. SWICA Hospita Hospita Halbprivat: benefits compared ÖKK ÖKK SPITAL SPITAL HALBPRIVAT vs. SWICA Hospita Hospita Halbprivat: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL HALBPRIVAT and SWICA Hospita Hospita Halbprivat in 4 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT is better on 1 features, SWICA Hospita Hospita Halbprivat on 2; both are equal on 3.
Hospital
Feature
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
SWICA Hospita Hospita Halbprivat
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 Allowance for staying in a lower ward (per day)
CHF 300 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. 3 720 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 SWICA Hospita Hospita Halbprivat better Ward
Semi-private ward in Switzerland (two-bed room) Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 Semi-private 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 Rooming-in (per day)
No verified information CHF 50 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 not comparable
All products in “Hospital” compared
Maternity
Feature
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
SWICA Hospita Hospita Halbprivat
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 HALBPRIVAT
SWICA Hospita Hospita Halbprivat
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 HALBPRIVAT better
All products in “Cures and recovery” compared
Contract terms
Feature
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
SWICA Hospita Hospita Halbprivat
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 Halbprivat 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 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; without tariff contract only maximum tariff is paid, patient bears the difference 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), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 3 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.