Advantages
Reserve insurance cover for a certain point in the future
Guaranteed acceptance into required supplementary insurance policy
No restrictions or subsequent health check
Our benefits
ÖKK OPTION is possible for the following supplementary insurance policies:
- ÖKK START
- ÖKK HOSPITAL (all types)
- ÖKK NATURE (all types)
- ÖKK SMILE (all types)
Five- or ten-year guarantee
You can choose between a five-year or ten-year Option. This means that you submit an application now (including a health check) and can change to the required supplementary insurance at any time within the next five/ten years without having to again provide information on your health. If you choose the five-year Option, you pay 10% of the premium of the respective supplementary insurance product. If you opt for the ten-year Option, you pay 20% of the premium of the respective supplementary insurance product.
Example of ÖKK OPTION 5
When is it worth taking out ÖKK OPTION?
ÖKK OPTION supplements your basic insurance in the areas where you have gaps in your cover that you would like to close in the future. After all, who knows how your needs might develop over time? With ÖKK OPTION, you can guarantee your future entry into a certain supplementary insurance policy now, regardless of how your health develops.
To take out ÖKK HOSPITAL, ÖKK NATURE or ÖKK SMILE as an option, ÖKK START or its option is required. To do this, you will have to answer a number of questions about your health. ÖKK OPTION is recommended up to the age of 60, as you can activate the required supplementary insurance policies at the latest by the age of 65. Once the desired product is activated, there is a one-year waiting period before you can draw benefits from this supplementary insurance policy. Please note that the specific waiting period (e.g. for maternity, orthodontics or dental treatment) only begins when the waiting period is over and the product is active.
Questions and answers (FAQ)
ÖKK OPTION is aimed at everyone who does not currently need a particular form of insurance cover but would like to guarantee their acceptance in the future. The best thing to do is to provide for the future while you are healthy, as your health may change at any point and admission to a supplementary insurance policy may no longer be possible. Once you have concluded ÖKK OPTION including the health check, you can take out the reserved supplementary insurance policy at any time in the next five or ten years. That way, you will benefit from the insurance cover without any restrictions at a later date. The reserved insurance cover enters into force after a waiting period of one year.
The Option can be concluded for a duration of five or ten years. It can be renewed after the selected Option duration expires.
An Option fee is charged for each supplementary insurance policy which has an Option attached. With five-year Options, the fee is 10% of the premium of the respective supplementary insurance policy, while the ten-year option is 20% of the premium.
You can terminate ÖKK OPTION as at the end of each calendar year when the contract expires. The notice period is three months. It is also possible to terminate the insurance as described above within the one-year waiting period. The Option also expires once the term (five or ten years) is reached and is not renewed, if the ÖKK START basic module is terminated or if the age limit (65) is reached.
Do you have any questions?
We will be happy to help you if you need further information or would like to arrange a no-obligation consultation.
