Atupri Basic vs. CSS Spitalversicherung myFlex Balance: benefits compared
Direct comparison of Atupri Basic and CSS Spitalversicherung myFlex Balance in 5 categories. All values come from the policy terms and are backed by their source.
Atupri Basic is better on 1 features, CSS Spitalversicherung myFlex Balance on 1; both are equal on 4.
- Atupri Basic
- CSS Spitalversicherung myFlex Balance
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Prevention
| Feature | Atupri Basic | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | No verified information | not comparable |
| Health check-up | CHF 200Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | No verified information | not comparable |
| Coverage (percent) | No verified information | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
| Annual cap | No verified information | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
Fitness
| Feature | Atupri Basic | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Annual contribution | CHF 200Source: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
Maternity
| Feature | Atupri Basic | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Birth centre | YesSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 2 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | equal |
| Newborns without health check | YesSource: ZVB Basic, Ausgabe 1.4.2023, edition 2027, p. 1 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | Atupri Basic better |
| Waiting period in months | No verified information | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | not comparable |
| Home birth | No verified information | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | not comparable |
Travel abroad
| Feature | Atupri Basic | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | 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: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
| Planned treatment abroad | No verified information | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Atupri Basic | CSS Spitalversicherung myFlex Balance | 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 | Only acute stays covered; chronic illness, nursing homes and long-term psychiatric day/night clinic stays excluded; no complementary medicine; no hospitals without CSS-recognised wardSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | 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 | Inpatient sterilisation covered up to CHF 4000 per case; newborn care CHF 100/day on readmission of mother.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | 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 Spitalversicherung myFlex, Ausgabe 01.2009, 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 |
| Upgrade without a health check | No verified information | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | 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 |
| Premium and age | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.