Home Supplementary insurance at a glance ÖKK ÖKK START vs. SWICA Hospita Hospita Allgemein: benefits compared ÖKK ÖKK START vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of ÖKK ÖKK START and SWICA Hospita Hospita Allgemein in 5 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 3 features, SWICA Hospita Hospita Allgemein on 2; both are equal on 2.
Hospital
Feature
ÖKK ÖKK START
SWICA Hospita Hospita Allgemein
Result Free hospital choice across Switzerland
Not covered Source: AVB ÖKK START 2026, edition 2027, p. 2 Yes Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 SWICA Hospita Hospita Allgemein better Psychiatric clinic: maximum days
90 Source: AVB ÖKK START 2026, edition 2027, p. 3 No verified information not comparable Acute hospital: maximum days
No verified information Unlimited Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable Ward
No verified information General ward of SWICA-recognised hospitals in Switzerland and Liechtenstein Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 not comparable
All products in “Hospital” compared
Rescue and transport
Feature
ÖKK ÖKK START
SWICA Hospita Hospita Allgemein
Result Rescue cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 20’000 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 ÖKK ÖKK START better Transport cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 20’000 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 ÖKK ÖKK START better Trips to treatments
CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable
All products in “Rescue and transport” compared
Cures and recovery
Feature
ÖKK ÖKK START
SWICA Hospita Hospita Allgemein
Result Spa cure (per day)
CHF 30 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 equal Recovery stay (per day)
CHF 50 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 15 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 ÖKK ÖKK START better Maximum cure days per year
21 Source: AVB ÖKK START 2026, edition 2027, p. 4 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 SWICA Hospita Hospita Allgemein better
All products in “Cures and recovery” compared
Home help
Feature
ÖKK ÖKK START
SWICA Hospita Hospita Allgemein
Result Daily cap
CHF 40 Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Annual cap
CHF 400 Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Maximum number of days
No verified information 60 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 not comparable Home nursing (per day)
No verified information CHF 30 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 not comparable
All products in “Home help” compared
Contract terms
Feature
ÖKK ÖKK START
SWICA Hospita Hospita Allgemein
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 Yes Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal 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 Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year) Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 not comparable Minimum contract duration in years
No verified information 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 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 Upgrade without a health check
No verified information Not covered Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 not comparable Premium and age
No verified information Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50 Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 not comparable Notable exclusions
No verified information Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton care Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.