Home Supplementary insurance at a glance ÖKK ÖKK START vs. Visana Ambulant Ambulant III: benefits compared ÖKK ÖKK START vs. Visana Ambulant Ambulant III: benefits compared
Direct comparison of ÖKK ÖKK START and Visana Ambulant Ambulant III in 5 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 0 features, Visana Ambulant Ambulant III on 4; both are equal on 3.
Medicines and medical aids
Feature
ÖKK ÖKK START
Visana Ambulant Ambulant III
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 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant III better Medical aids (percent)
50% Source: AVB ÖKK START 2026, edition 2027, p. 3 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant III better Medical aids: annual cap
CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 No verified information not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
ÖKK ÖKK START
Visana Ambulant Ambulant III
Result Contribution for adults
CHF 80 Source: AVB ÖKK START 2026, edition 2027, p. 3 No verified information not comparable Period for adults in months
12 months Source: AVB ÖKK START 2026, edition 2027, p. 3 No verified information not comparable Period for children in months
No verified information 12 months Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable Children's rule applies up to age
No verified information 18 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable
All products in “Glasses and contact lenses” compared
Rescue and transport
Feature
ÖKK ÖKK START
Visana Ambulant Ambulant III
Result Rescue cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant III better Transport cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant III 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
Contract terms
Feature
ÖKK ÖKK START
Visana Ambulant Ambulant III
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 Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 equal Family discount
Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 equal Accident cover included
Yes Source: AVB ÖKK START 2026, edition 2027, p. 2 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 equal 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 Premium and age
No verified information Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January. Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.