ÖKK ÖKK SPITAL SPITAL HALBPRIVAT vs. Visana Spital Spital Halbprivat: benefits compared

Direct comparison of ÖKK ÖKK SPITAL SPITAL HALBPRIVAT and Visana Spital Spital Halbprivat in 3 categories. All values come from the policy terms and are backed by their source.

ÖKK ÖKK SPITAL SPITAL HALBPRIVAT is better on 1 features, Visana Spital Spital Halbprivat on 0; both are equal on 1.

Hospital

Feature	ÖKK ÖKK SPITAL SPITAL HALBPRIVAT	Visana Spital Spital Halbprivat	Result
Free hospital choice across Switzerland	YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	YesSource: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 2	equal
Allowance for staying in a lower ward (per day)	CHF 300Source: 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	90Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3	No verified information	not comparable
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	No verified information	not comparable
Coverage in non-listed hospitals	No verified information	50%Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 3	not comparable

All products in “Hospital” compared

Cures and recovery

Feature	ÖKK ÖKK SPITAL SPITAL HALBPRIVAT	Visana Spital Spital Halbprivat	Result
Maximum cure days per year	60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4	28Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4	ÖKK ÖKK SPITAL SPITAL HALBPRIVAT better
Recovery stay (per day)	No verified information	CHF 75Source: ZB Krankenzusatzversicherung Spital (VVG), gültig ab 01.01.2022, edition 2027, p. 4	not comparable

All products in “Cures and recovery” compared

Contract terms

Feature	ÖKK ÖKK SPITAL SPITAL HALBPRIVAT	Visana Spital Spital Halbprivat	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	No verified information	not comparable
Suspension possible	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5	No verified information	not comparable
Premium and age	No verified information	Premium age groups 0-18, 19-25, 26-30, then 5-year bands from 31; last group reached at 86; change on 1 JanuarySource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.