ÖKK ÖKK SPITAL SPITAL PRIVAT vs. SWICA Vivia: benefits compared

Direct comparison of ÖKK ÖKK SPITAL SPITAL PRIVAT and SWICA Vivia in 2 categories. All values come from the policy terms and are backed by their source.

ÖKK ÖKK SPITAL SPITAL PRIVAT is better on 0 features, SWICA Vivia on 0; both are equal on 2.

Maternity

Feature	ÖKK ÖKK SPITAL SPITAL PRIVAT	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

All products in “Maternity” compared

Contract terms

Feature	ÖKK ÖKK SPITAL SPITAL PRIVAT	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

All products in “Contract terms” compared

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