Do you not yet require certain insurance cover such as ÖKK HOSPITAL, ÖKK NATURE or ÖKK SMILE, but think that this may change at some point in the future? Are you also aware that your health could change over time and that your health insurer might not accept you into a supplementary insurance policy because of this? If so, then you can already choose ÖKK OPTION 5 or ÖKK OPTION 10 today. You receive a guarantee that you will be accepted into the required insurance policy in future. This means that you submit an application now (including a health declaration) and can change to the required insurance at any time within the next five/ten years without having to again provide information on your health.