Atupri Comforta Comforta Opti 2 vs. CSS Alternativversicherung myFlex: benefits compared
Direct comparison of Atupri Comforta Comforta Opti 2 and CSS Alternativversicherung myFlex in 2 categories. All values come from the policy terms and are backed by their source.
Atupri Comforta Comforta Opti 2 is better on 1 features, CSS Alternativversicherung myFlex on 1; both are equal on 1.
- Atupri Comforta Comforta Opti 2
- CSS Alternativversicherung myFlex
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Maternity
| Feature | Atupri Comforta Comforta Opti 2 | CSS Alternativversicherung myFlex | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | CSS Alternativversicherung myFlex better |
Contract terms
| Feature | Atupri Comforta Comforta Opti 2 | CSS Alternativversicherung myFlex | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | Atupri Comforta Comforta Opti 2 better |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 4 | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Prerequisite | Comforta can only be taken out together with Mivita and ends automatically when Mivita ends.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | No verified information | not comparable |
| Premium and age | Premium depends on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 or 70 is reached.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | Premium tariff may be graded by age, sex, declared health and residence; age groups adjust premiums to the insured's age.Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Notable exclusions | No benefits for outpatient treatment (except Art. 7.3), personal expenses, hospital costs linked to dental treatment, and certain organ transplants with case-rate agreements; only listed or contracted hospitals.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | Treatments abroad, prevention without insured event, aids purchase/rental, treatments outside practice and by relatives excluded; accommodation/care costs for inpatient treatment not insured; only recognised providers and methods.Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | not comparable |
| Other notable benefits | Uncovered costs of the healthy newborn in a semi-private/private ward are paid from the mother's Comforta; optional extended hospital choice variant against surcharge.Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Insurer does not cancel after a claim | No verified information | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| No-claims bonus | No verified information | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, 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 |
| Upgrade without a health check | No verified information | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | 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 Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.