ÖKK ÖKK SPITAL SPITAL PRIVAT vs. Visana Spital Flex: benefits compared

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

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

Hospital

Feature ÖKK ÖKK SPITAL SPITAL PRIVAT Visana Spital Flex 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 Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 equal
Allowance for staying in a lower ward (per day) CHF 400Source: 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 180Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 Visana Spital Flex better
Ward Private ward in Switzerland (single room)Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 No verified information not comparable
Maximum cost share per year No verified information CHF 4’000Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 2 not comparable

All products in “Hospital” compared

Cures and recovery

Feature ÖKK ÖKK SPITAL SPITAL PRIVAT Visana Spital Flex Result
Maximum cure days per year 60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 No verified information not comparable
Recovery stay (per day) No verified information CHF 50Source: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 3 not comparable

All products in “Cures and recovery” compared

Contract terms

Feature ÖKK ÖKK SPITAL SPITAL PRIVAT Visana Spital Flex 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
Accident cover included No verified information YesSource: ZB Krankenzusatzversicherung Spital Flex (VVG), gültig ab 01.01.2022, edition 2027, p. 1 not comparable

All products in “Contract terms” compared

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

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