Home Supplementary insurance at a glance ÖKK ÖKK START vs. SWICA Completa Top: benefits compared ÖKK ÖKK START vs. SWICA Completa Top: benefits compared
Direct comparison of ÖKK ÖKK START and SWICA Completa Top in 8 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 5 features, SWICA Completa Top on 3; both are equal on 3.
Medicines and medical aids
Feature
ÖKK ÖKK START
SWICA Completa Top
Result Medicines outside the SL (percent)
90% Source: AVB ÖKK START 2026, edition 2027, p. 3 90% Source: ZB Completa Top (VVG), edition 2027, p. 4 equal Medicines outside the SL: maximum
CHF 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 No verified information not comparable Medical aids (percent)
50% Source: AVB ÖKK START 2026, edition 2027, p. 3 90% Source: ZB Completa Top (VVG), edition 2027, p. 6 SWICA Completa Top better Medical aids: annual cap
CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 CHF 200 Source: ZB Completa Top (VVG), edition 2027, p. 6 ÖKK ÖKK START better
All products in “Medicines and medical aids” compared
Dental care
Feature
ÖKK ÖKK START
SWICA Completa Top
Result Benefits up to age
25 Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Wisdom teeth removal
Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Dental treatment abroad
Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 Yes Source: ZB Completa Top (VVG), edition 2027, p. 6 equal Coverage (percent)
No verified information 50% Source: ZB Completa Top (VVG), edition 2027, p. 6 not comparable Annual cap
No verified information CHF 100 Source: ZB Completa Top (VVG), edition 2027, p. 6 not comparable
All products in “Dental care” compared
Cures and recovery
Feature
ÖKK ÖKK START
SWICA Completa Top
Result Spa cure (per day)
CHF 30 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 30 Source: ZB Completa Top (VVG), edition 2027, p. 5 equal Recovery stay (per day)
CHF 50 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 20 Source: ZB Completa Top (VVG), edition 2027, p. 5 ÖKK ÖKK START better Maximum cure days per year
21 Source: AVB ÖKK START 2026, edition 2027, p. 4 30 Source: ZB Completa Top (VVG), edition 2027, p. 5 SWICA Completa Top better
All products in “Cures and recovery” compared
Contract terms
Feature
ÖKK ÖKK START
SWICA Completa Top
Result Insurer does not cancel after a claim
Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 No verified information not comparable Family discount
Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 No verified information not comparable Accident cover included
Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 No verified information not comparable Other notable benefits
Thermal bath 50% up to 12 entries per year; public transport costs 90% up to CHF 100 per year for treatments far from home; inpatient rehabilitation up to 60 days per year at full cost coverage Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Cancellation notice in months
No verified information 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.