Atupri Comforta Comforta Opti 2 vs. CSS Spitalversicherung myFlex Balance: benefits compared
Direct comparison of Atupri Comforta Comforta Opti 2 and CSS Spitalversicherung myFlex Balance in 3 categories. All values come from the policy terms and are backed by their source.
Atupri Comforta Comforta Opti 2 is better on 2 features, CSS Spitalversicherung myFlex Balance on 2; both are equal on 5.
- Atupri Comforta Comforta Opti 2
- CSS Spitalversicherung myFlex Balance
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Hospital
| Feature | Atupri Comforta Comforta Opti 2 | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
| Ward choice at admission | YesSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | equal |
| Cost share semi-private (percent) | 20%Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | 20%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | equal |
| Cost share private (percent) | 30%Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | 35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | Atupri Comforta Comforta Opti 2 better |
| Maximum cost share per year | CHF 4’000Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | CSS Spitalversicherung myFlex Balance better |
| Coverage in non-listed hospitals | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 90Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | 90Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | equal |
| Acute hospital: maximum days | UnlimitedSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Ward | General, semi-private or private ward of choice, with corresponding cost share (Opti)Source: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 1 | General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | not comparable |
| Rooming-in (per day) | No verified information | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
| Extras for outpatient surgery | No verified information | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
Maternity
| Feature | Atupri Comforta Comforta Opti 2 | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Comforta, Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | equal |
| 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 |
| Birth centre | No verified information | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | Atupri Comforta Comforta Opti 2 | CSS Spitalversicherung myFlex Balance | 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 | 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 |
| 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 | 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 | 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 | 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 |
| 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 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.