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Solid foundation: the start module for supplementary insurance

This basic module closes any gaps in your basic insurance. ÖKK START provides a straightforward foundation for other individual supplementary insurance policies.

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Advantages
Benefits
Requirements
Costs
Documents
FAQ

Advantages

Free choice of hospital, rehab or psychiatric clinic in Switzerland on general ward anywhere in Switzerland (list or contractual hospital)

Emergency medical treatment around the world

Contributions towards transport, search, rescue and recovery costs

Contributions towards glasses lenses and contact lenses

Contributions to dental treatments

Further advantages as listed in the benefit table

The right insurance for me.

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Overview of benefits

Hospital

Basic insurance

ÖKK START

The essential supplementary insurance

General

General

General ward (tariff in canton of residence)
General ward
General ward (tariff in canton of residence)
General ward

Double the tariff in the canton of residence

General

Up to double the tariff for the general ward in the canton of residence, in the EU according to bilateral agreements
General ward
Up to double the tariff for the general ward in the canton of residence, in the EU according to bilateral agreements
General ward

General

General

General ward (tariff in canton of residence)

1st to 90th day: general ward
91st to 180th day: CHF 20 per day
(within three calendar years)

General ward (tariff in canton of residence)

1st to 90th day: general ward
91st to 180th day: CHF 20 per day
(within three calendar years)

General

General

General ward (tariff in canton of residence)

General ward, up to 60 days per calendar year

General ward (tariff in canton of residence)

General ward, up to 60 days per calendar year

Transport, rescue, search

Up to CHF 500

CHF 50,000

50%, up to CHF 500 per calendar year (transport)
50%, up to CHF 5,000 per calendar year (rescue in Switzerland)
no benefits for repatriation

CHF 50,000 per calendar year,
excess of CHF 100 per claim

50%, up to CHF 500 per calendar year (transport)
50%, up to CHF 5,000 per calendar year (rescue in Switzerland)
no benefits for repatriation

CHF 50,000 per calendar year,
excess of CHF 100 per claim

-

CHF 20,000

-

CHF 20,000 per calendar year

-

CHF 20,000 per calendar year

-

Up to CHF 100

-

90%, up to CHF 100 per calendar year

-

90%, up to CHF 100 per calendar year

-

Up to CHF 300

-

In addition to above travel expenses 90%,
up to CHF 300 per calendar year

-

In addition to above travel expenses 90%,
up to CHF 300 per calendar year

Medical treatment

Double the tariff in the canton of residence

100%

Up to double the tariff in the canton of residence, in the EU according to bilateral agreements

All costs covered (taking into account the deductible and the excess)

Up to double the tariff in the canton of residence, in the EU according to bilateral agreements

All costs covered (taking into account the deductible and the excess)

-

Up to CHF 1,000

-
50%, up to CHF 1,000
-
50%, up to CHF 1,000

Visual aids

CHF 180 up to 18 years

CHF 80

CHF 180 per calendar year (up to 18 years of age)
CHF 80 per calendar year worldwide
CHF 180 per calendar year (up to 18 years of age)
CHF 80 per calendar year worldwide

Aids

According to List of Objects and Resources

Up to CHF 300

According to List of Objects and Resources

50 %, up to CHF 300 per calendar year
(medically prescribed and according to ÖKK list)

According to List of Objects and Resources

50 %, up to CHF 300 per calendar year
(medically prescribed and according to ÖKK list)

Dental treatment

-

Up to CHF 10,000 up to 25 years

-

70%, up to CHF CHF 10,000 per calendar year,
incl. neighbouring countries of Switzerland
(up to 25 years of age)

-

70%, up to CHF CHF 10,000 per calendar year,
incl. neighbouring countries of Switzerland
(up to 25 years of age)

-

90%

-
90%, incl. neighbouring countries of Switzerland
-
90%, incl. neighbouring countries of Switzerland

-

CHF 60

-

CHF 60 per calendar year,
incl. neighbouring countries of Switzerland
(up to 25 years of age)

-

CHF 60 per calendar year,
incl. neighbouring countries of Switzerland
(up to 25 years of age)

Maternity

-

CHF 40 per day, up to CHF 400

-

CHF 40 per day,
up to CHF 400 per calendar year (1, 2)

-

CHF 40 per day,
up to CHF 400 per calendar year (1, 2)

Treatment and assistance at home

-

CHF 40 per day, up to CHF 400

-

CHF 40 per day, up to CHF 400 per calendar year

-

CHF 40 per day, up to CHF 400 per calendar year

Medication

According to medication and specialist lists

Up to CHF 20,000 for optional medications

According to medication and specialist lists

Optional medications: 90%,
up to CHF 20,000 per calendar year

According to medication and specialist lists

Optional medications: 90%,
up to CHF 20,000 per calendar year

Balneotherapy and convalescent therapy

Medical treatment

CHF 50 per day

Medical treatment

CHF 50 per day, up to 21 days per calendar year

Medical treatment

CHF 50 per day, up to 21 days per calendar year

CHF 10 per day

CHF 30 per day

CHF 10 per day, up to 21 days per calendar year

CHF 30 per day, up to 21 days per calendar year

CHF 10 per day, up to 21 days per calendar year

CHF 30 per day, up to 21 days per calendar year

-

12 visits per year

-
50%, up to 12 visits per calendar year
-
50%, up to 12 visits per calendar year

Non-medical psychotherapy

For therapists authorised under KVG

Up to CHF 1,000

Medically prescribed psychotherapy with therapist authorised under KVG
50%, up to CHF 1,000 per calendar year
Medically prescribed psychotherapy with therapist authorised under KVG
50%, up to CHF 1,000 per calendar year

Requirements

  • Under 65 years old
  • After concluding the policy, certain treatments and benefits are subject to waiting periods; these are known as qualifying periods.

Documents

Questions and answers (FAQ)

If your basic insurance does not cover all your needs, ÖKK START is the optimum addition. With this basic module, you can choose from all ÖKK supplementary insurance policies and put together your individual package. ÖKK START also includes the first key supplementary benefits compared to basic insurance.

The insurance term lasts one year. The contract is automatically extended by one year if the insurance is not terminated (subject to the standard notice period).

The basic module provides a straightforward foundation for you to put together your own individual insurance solution. You can choose the supplementary insurance policies that best meet your personal needs.

ÖKK SMILE

If you wish to expand the dental benefits under ÖKK START, ÖKK SMILE is the ideal policy. If you combine the two supplementary policies with each other, ÖKK contributes up to CHF 15,000 per year (depending on the model) towards orthodontic treatments for children and young people until they turn 25. For wisdom tooth extractions, ÖKK START covers 90%, while ÖKK SMILE covers the remaining 10% (depending on the model).

ÖKK NATURE

If you wear glasses or contact lenses, we recommend taking out ÖKK START and ÖKK NATURE, as the contributions can be combined.

All-round protection

A boy lying in a hospital bed petting a dog.
Your hospital insurance for more peace and comfort
ÖKK HOSPITAL 
A woman with glasses looking upward outdoors.
Perspective: insurance for alternative medicine and glasses
ÖKK NATURE 
A girl smiling at the camera outdoors.
For a beaming smile: your dental insurance
ÖKK SMILE