ÖKK ÖKK START vs. Visana Spital VIVA Spital VIVA Allgemein: benefits compared
Direct comparison of ÖKK ÖKK START and Visana Spital VIVA Spital VIVA Allgemein in 3 categories. All values come from the policy terms and are backed by their source.
ÖKK ÖKK START is better on 0 features, Visana Spital VIVA Spital VIVA Allgemein on 4; both are equal on 1.
- ÖKK ÖKK START
- Visana Spital VIVA Spital VIVA Allgemein
- Compare with other products
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Hospital
| Feature | ÖKK ÖKK START | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: AVB ÖKK START 2026, edition 2027, p. 2 | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Spital VIVA Spital VIVA Allgemein better |
| Psychiatric clinic: maximum days | 90Source: AVB ÖKK START 2026, edition 2027, p. 3 | 180Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Spital VIVA Spital VIVA Allgemein better |
Cures and recovery
| Feature | ÖKK ÖKK START | Visana Spital VIVA Spital VIVA Allgemein | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 30Source: AVB ÖKK START 2026, edition 2027, p. 4 | CHF 50Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | Visana Spital VIVA Spital VIVA Allgemein better |
| Recovery stay (per day) | CHF 50Source: AVB ÖKK START 2026, edition 2027, p. 4 | No verified information | not comparable |
| Maximum cure days per year | 21Source: AVB ÖKK START 2026, edition 2027, p. 4 | 28Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | Visana Spital VIVA Spital VIVA Allgemein better |
Contract terms
| Feature | ÖKK ÖKK START | Visana Spital VIVA Spital VIVA Allgemein | 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 | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, 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 coverageSource: AVB ÖKK START 2026, edition 2027, p. 4 | No verified information | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA Gesundheitsplan (Visana).Source: ZB Krankenzusatzversicherung Spital VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Premium and age | No verified information | Premium age bands 0-18, 19-25, 26-30, then 5-year groups from 31; last group reached at 86; change on 1 January usually raises premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.