Assura Natura vs. CSS Spitalversicherung myFlex Premium: benefits compared

Direct comparison of Assura Natura and CSS Spitalversicherung myFlex Premium in 3 categories. All values come from the policy terms and are backed by their source.

Assura Natura is better on 0 features, CSS Spitalversicherung myFlex Premium on 1; both are equal on 4.

Alternative medicine

Feature	Assura Natura	CSS Spitalversicherung myFlex Premium	Result
Maximum per session	CHF 110Source: BVB Natura (07.2015), edition 2027, p. 3	No verified information	not comparable
Natural remedies: annual cap	CHF 800Source: BVB Natura (07.2015), edition 2027, p. 3	No verified information	not comparable
Coverage (percent)	No verified information	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	not comparable
Annual cap	No verified information	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	not comparable

All products in “Alternative medicine” compared

Prevention

Feature	Assura Natura	CSS Spitalversicherung myFlex Premium	Result
Coverage (percent)	Not coveredSource: BVB Natura (07.2015), edition 2027, p. 3	50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CSS Spitalversicherung myFlex Premium better
Annual cap	No verified information	CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2	not comparable

All products in “Prevention” compared

Contract terms

Feature	Assura Natura	CSS Spitalversicherung myFlex Premium	Result
Minimum contract duration in years	3Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	equal
Cancellation notice in months	3 monthsSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	equal
Insurer does not cancel after a claim	YesSource: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	equal
No-claims bonus	YesSource: BVB Natura (07.2015), edition 2027, p. 1	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	equal
Premium and age	Premium set by age at conclusion; children 0-18 move to next age band at 19, young adults 19-25 at 26, then final.Source: AVB Zusatzversicherungen VVG (Ausgabe 07.2015, aktualisiert 01.2022), edition 2027, p. 2	Premiums may be graded by age groups and adjusted to the insured's ageSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	not comparable
Family discount	No verified information	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7	not comparable
Suspension possible	No verified information	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	not comparable
Accident cover included	No verified information	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2	not comparable
Notable exclusions	No verified information	Only acute stays covered; chronic illness, nursing homes and long-term psychiatric day/night clinic stays excluded; no complementary medicineSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5	not comparable
Other notable benefits	No verified information	Inpatient sterilisation up to CHF 10000 per case; illnesses and accidents from risky ventures (Wagnisse) insured up to CHF 500000 per year.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5	not comparable

All products in “Contract terms” compared

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