ÖKK ÖKK SPITAL SPITAL HALBPRIVAT vs. SWICA Vivia: benefits compared
Direct comparison of ÖKK ÖKK SPITAL SPITAL HALBPRIVAT and SWICA Vivia in 2 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK SPITAL SPITAL HALBPRIVAT is better on 0 features, SWICA Vivia on 0; both are equal on 2.
- ÖKK ÖKK SPITAL SPITAL HALBPRIVAT
- SWICA Vivia
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Maternity
| Feature | ÖKK ÖKK SPITAL SPITAL HALBPRIVAT | SWICA Vivia | 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 Vivia (VVG), Ausgabe 2027, edition 2027, p. 7 | 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 |
Contract terms
| Feature | ÖKK ÖKK SPITAL SPITAL HALBPRIVAT | SWICA Vivia | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | No verified information | not comparable |
| 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 |
| Accident cover included | No verified information | YesSource: ZB Vivia (VVG), Ausgabe 2027, edition 2027, p. 4 | not comparable |
| Premium and age | No verified information | Age-based (Lebensalter) tariff; age groups 19–25, 26–30, then five-year steps up to 71+Source: ZB Vivia (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.