Home Supplementary insurance at a glance ÖKK ÖKK START vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared ÖKK ÖKK START vs. Visana Ambulant VIVA Ambulant VIVA II: benefits compared
Direct comparison of ÖKK ÖKK START and Visana Ambulant VIVA Ambulant VIVA II in 6 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 2 features, Visana Ambulant VIVA Ambulant VIVA II on 4; both are equal on 3.
Medicines and medical aids
Feature
ÖKK ÖKK START
Visana Ambulant VIVA Ambulant VIVA II
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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA II better Medical aids (percent)
50% Source: AVB ÖKK START 2026, edition 2027, p. 3 90% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA II better Medical aids: annual cap
CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 CHF 1’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 Visana Ambulant VIVA Ambulant VIVA II better
All products in “Medicines and medical aids” compared
Dental care
Feature
ÖKK ÖKK START
Visana Ambulant VIVA Ambulant VIVA II
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 Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 equal Dental treatment abroad
Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 No verified information not comparable Coverage (percent)
No verified information 25% Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 500 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable Orthodontics for children
No verified information Yes Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable Orthodontics: maximum amount
No verified information CHF 10’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 not comparable
All products in “Dental care” compared
Rescue and transport
Feature
ÖKK ÖKK START
Visana Ambulant VIVA Ambulant VIVA II
Result Rescue cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 25’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 ÖKK ÖKK START better Transport cost cap
CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 20’000 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 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
Home help
Feature
ÖKK ÖKK START
Visana Ambulant VIVA Ambulant VIVA II
Result Daily cap
CHF 40 Source: AVB ÖKK START 2026, edition 2027, p. 4 CHF 50 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 Visana Ambulant VIVA Ambulant VIVA II better 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 30 Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 not comparable
All products in “Home help” compared
Contract terms
Feature
ÖKK ÖKK START
Visana Ambulant VIVA Ambulant VIVA II
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 VIVA (VVG), gültig ab 01.03.2026, 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 equal 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 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 Yes Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.