ÖKK ÖKK START vs. Visana Ambulant VIVA Ambulant VIVA I: benefits compared
Direct comparison of ÖKK ÖKK START and Visana Ambulant VIVA Ambulant VIVA I in 3 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 3 features, Visana Ambulant VIVA Ambulant VIVA I on 0; both are equal on 2.
- ÖKK ÖKK START
- Visana Ambulant VIVA Ambulant VIVA I
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Medicines and medical aids
| Feature | ÖKK ÖKK START | Visana Ambulant VIVA Ambulant VIVA I | 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 | CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | ÖKK ÖKK START better |
| Medical aids (percent) | 50%Source: AVB ÖKK START 2026, edition 2027, p. 3 | No verified information | not comparable |
| Medical aids: annual cap | CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 3 | No verified information | not comparable |
Rescue and transport
| Feature | ÖKK ÖKK START | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Rescue cost cap | CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4 | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | ÖKK ÖKK START better |
| Transport cost cap | CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4 | CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | ÖKK ÖKK START better |
| Trips to treatments | CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 4 | No verified information | not comparable |
Contract terms
| Feature | ÖKK ÖKK START | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Insurer does not cancel after a claim | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | YesSource: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| Family discount | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | equal |
| 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 | Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Premium and age | No verified information | Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
| Notable exclusions | No verified information | Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.