ÖKK ÖKK START vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared

Direct comparison of ÖKK ÖKK START and Visana Ambulant VIVA Ambulant VIVA III in 7 categories. All values come from the policy terms and are backed by their source.

ÖKK ÖKK START is better on 0 features, Visana Ambulant VIVA Ambulant VIVA III on 6; both are equal on 3.

Medicines and medical aids

Feature	ÖKK ÖKK START	Visana Ambulant VIVA Ambulant VIVA 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 20’000Source: AVB ÖKK START 2026, edition 2027, p. 3	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III 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 III better
Medical aids: annual cap	CHF 300Source: AVB ÖKK START 2026, edition 2027, p. 3	CHF 2’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	Visana Ambulant VIVA Ambulant VIVA III better

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	ÖKK ÖKK START	Visana Ambulant VIVA Ambulant VIVA III	Result
Contribution for adults	CHF 80Source: AVB ÖKK START 2026, edition 2027, p. 3	No verified information	not comparable
Period for adults in months	12 monthsSource: AVB ÖKK START 2026, edition 2027, p. 3	No verified information	not comparable
Children's rule applies up to age	No verified information	18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Glasses and contact lenses” compared

Dental care

Feature	ÖKK ÖKK START	Visana Ambulant VIVA Ambulant VIVA III	Result
Benefits up to age	25Source: AVB ÖKK START 2026, edition 2027, p. 4	No verified information	not comparable
Wisdom teeth removal	YesSource: AVB ÖKK START 2026, edition 2027, p. 4	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	equal
Dental treatment abroad	YesSource: AVB ÖKK START 2026, edition 2027, p. 4	No verified information	not comparable
Coverage (percent)	No verified information	50%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Annual cap	No verified information	CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Orthodontics for children	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Orthodontics: maximum amount	No verified information	CHF 10’000Source: 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 III	Result
Rescue cost cap	CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA III better
Transport cost cap	CHF 50’000Source: AVB ÖKK START 2026, edition 2027, p. 4	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA III better
Trips to treatments	CHF 300Source: 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 III	Result
Daily cap	CHF 40Source: AVB ÖKK START 2026, edition 2027, p. 4	CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	Visana Ambulant VIVA Ambulant VIVA III better
Annual cap	CHF 400Source: AVB ÖKK START 2026, edition 2027, p. 4	No verified information	not comparable
Maximum number of days	No verified information	30Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable

All products in “Home help” compared

Psychotherapy

Feature	ÖKK ÖKK START	Visana Ambulant VIVA Ambulant VIVA III	Result
Therapist requirements	Psychotherapist must hold cantonal licence for independent practiceSource: AVB ÖKK START 2026, edition 2027, p. 3	Therapist needs a cantonal licence to practise psychotherapy under the Psychology Professions Act (PsyG) and must not be allowed to bill via basic insurance; treatment must serve an illness.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3	not comparable
Coverage (percent)	No verified information	80%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable
Annual cap	No verified information	CHF 5’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	ÖKK ÖKK START	Visana Ambulant VIVA Ambulant VIVA III	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

All products in “Contract terms” compared

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