Atupri Basic vs. CSS Ambulantversicherung myFlex Premium: benefits compared
Direct comparison of Atupri Basic and CSS Ambulantversicherung myFlex Premium in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Basic is better on 1 features, CSS Ambulantversicherung myFlex Premium on 0; both are equal on 5.
- Atupri Basic
- CSS Ambulantversicherung myFlex Premium
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Prevention
| Feature | Atupri Basic | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Health check-up | CHF 200Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | No verified information | not comparable |
| Vaccinations: annual cap | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Maternity
| Feature | Atupri Basic | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Birth centre | YesSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Newborns without health check | YesSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | Atupri Basic better |
| Waiting period in months | No verified information | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Breastfeeding allowance | No verified information | CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Travel abroad
| Feature | Atupri Basic | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Trip cancellation costs | CHF 5’000Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 4 | No verified information | not comparable |
| Emergency cover cap | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
| Planned treatment abroad | No verified information | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
| Visit trip for a close relative | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Atupri Basic | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Cancellation notice in months | 3 monthsSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Maximum entry age | 70Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Notable exclusions | No benefits for inpatient treatment of chronic illnesses, personal expenses, hospital stays linked to dental treatment; no cover for treatment abroad sought for that purpose, motor racing.Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 4 | No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; risky ventures covered up to CHF 250,000 per year.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
| Other notable benefits | Covers additional costs outside canton for general ward in listed hospitals (tariff difference), unlimited duration in acute hospitals, psychiatric clinic max 90 days; newborn extra bed and breast pump under maternity.Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 3 | Illness and accidents resulting from Wagnisse (hazardous activities) are insured up to CHF 250,000 per calendar year, only in Premium.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
| Minimum contract duration in years | No verified information | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| No-claims bonus | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | 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 Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Premium and age | No verified information | Premiums may be graded by age groups and are adjusted to the insured person's age group.Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.