ÖKK ÖKK START vs. SWICA Optima: benefits compared

Direct comparison of ÖKK ÖKK START and SWICA Optima in 6 categories. All values come from the policy terms and are backed by their source.

ÖKK ÖKK START is better on 3 features, SWICA Optima on 3; both are equal on 2.

Outpatient

Feature	ÖKK ÖKK START	SWICA Optima	Result
Sterilisation	CHF 1’000Source: AVB ÖKK START 2026, edition 2027, p. 3	CHF 700Source: ZB Optima (VVG), edition 2027, p. 4	ÖKK ÖKK START better

All products in “Outpatient” compared

Medicines and medical aids

Feature	ÖKK ÖKK START	SWICA Optima	Result
Medicines outside the SL (percent)	90%Source: AVB ÖKK START 2026, edition 2027, p. 3	No verified information	not comparable
Medicines outside the SL: maximum	CHF 20’000Source: 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 Optima (VVG), edition 2027, p. 5	SWICA Optima better
Medical aids: annual cap	CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 3	CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1	equal

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	ÖKK ÖKK START	SWICA Optima	Result
Contribution for adults	CHF 80Source: AVB ÖKK START 2026, edition 2027, p. 3	CHF 300Source: ZB Optima (VVG), edition 2027, p. 5	SWICA Optima better
Period for adults in months	12 monthsSource: AVB ÖKK START 2026, edition 2027, p. 3	36 monthsSource: ZB Optima (VVG), edition 2027, p. 5	ÖKK ÖKK START better

All products in “Glasses and contact lenses” compared

Cures and recovery

Feature	ÖKK ÖKK START	SWICA Optima	Result
Spa cure (per day)	CHF 30Source: AVB ÖKK START 2026, edition 2027, p. 4	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4	equal
Recovery stay (per day)	CHF 50Source: AVB ÖKK START 2026, edition 2027, p. 4	CHF 30Source: ZB Optima (VVG), edition 2027, p. 4	ÖKK ÖKK START better
Maximum cure days per year	21Source: AVB ÖKK START 2026, edition 2027, p. 4	30Source: ZB Optima (VVG), edition 2027, p. 4	SWICA Optima better

All products in “Cures and recovery” compared

Psychotherapy

Feature	ÖKK ÖKK START	SWICA Optima	Result
Therapist requirements	Psychotherapist must hold cantonal licence for independent practiceSource: AVB ÖKK START 2026, edition 2027, p. 3	Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed.Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Annual cap	No verified information	CHF 1’500Source: ZB Optima (VVG), edition 2027, p. 4	not comparable
Maximum sessions per year	No verified information	60Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	ÖKK ÖKK START	SWICA Optima	Result
Insurer does not cancel after a claim	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6	No verified information	not comparable
Family discount	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9	No verified information	not comparable
Accident cover included	YesSource: 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 coverageSource: AVB ÖKK START 2026, edition 2027, p. 4	Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5	not comparable
Minimum contract duration in years	No verified information	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	not comparable
Cancellation notice in months	No verified information	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	not comparable
Notable exclusions	No verified information	Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4	not comparable

All products in “Contract terms” compared

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