Atupri Intense vs. CSS Ambulantversicherung myFlex Balance: benefits compared
Direct comparison of Atupri Intense and CSS Ambulantversicherung myFlex Balance in 11 categories. All values come from the policy terms and are backed by their source.
Atupri Intense is better on 6 features, CSS Ambulantversicherung myFlex Balance on 0; both are equal on 8.
- Atupri Intense
- CSS Ambulantversicherung myFlex Balance
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Outpatient
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Ear correction for children | CHF 2’000Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Contraception (percent) | 75%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | No verified information | not comparable |
| Contraception: annual cap | CHF 1’000Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | No verified information | not comparable |
| Out-of-canton coverage (percent) | No verified information | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Free doctor choice | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
| Doctors outside the KVG (percent) | No verified information | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Sterilisation | No verified information | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
Alternative medicine
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | Atupri Intense better |
| Annual cap | CHF 3’000Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | Atupri Intense better |
| Therapist requirements | Treatment by a qualified medical doctor or a naturopath/therapist recognised by Atupri, only for methods for which the therapist is recognised.Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | No verified information | not comparable |
| Maximum per session | No verified information | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
| Natural remedies (percent) | No verified information | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
| Natural remedies: annual cap | No verified information | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
Glasses and contact lenses
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Laser eye surgery | CHF 1’500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | Atupri Intense better |
| Contribution for adults | No verified information | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Period for adults in months | No verified information | 12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Contribution for children | No verified information | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Children's rule applies up to age | No verified information | 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Age limits | No verified information | Children up to end of year of 18th birthday: CHF 150 per insured event; adults: CHF 150 per calendar yearSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
Prevention
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | No verified information | not comparable |
| Annual cap | CHF 500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | No verified information | not comparable |
| Health check-up | CHF 500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | No verified information | not comparable |
| Vaccinations (percent) | No verified information | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 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 Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Breastfeeding allowance | CHF 200Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Newborns without health check | YesSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | equal |
| Waiting period in months | No verified information | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Home birth | No verified information | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
| Birth centre | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Travel abroad
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | 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 Intense, Ausgabe 1.4.2024, edition 2027, p. 3 | 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 | Not coveredSource: 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 |
Rescue and transport
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Repatriation to Switzerland | UnlimitedSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 3 | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | equal |
| Rescue cost cap | No verified information | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
| Transport cost cap | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
| Trips to treatments | No verified information | CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
Home help
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Daily cap | CHF 60Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 | CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | Atupri Intense better |
| Annual cap | No verified information | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
| Home nursing (per day) | No verified information | CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
Psychotherapy
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | 75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Annual cap | CHF 2’000Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | Atupri Intense better |
| Therapist requirements | No verified information | Psychotherapist must be recognised by CSSSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 2 | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | Atupri Intense better |
| Maximum entry age | 70Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 | No verified information | not comparable |
| Premium and age | Premiums are graded by age band; they can change at the start of the year in which ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65, 70, 75 and 80 are reached.Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 | 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 |
| Other notable benefits | Covers treatment of obesity (BMI 30+), sleep analyses/training, hair-loss preparations, up to three extra ultrasounds and genetic tests in pregnancy, and breast reduction (BMI max 30).Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 | No verified information | not comparable |
| Cancellation notice in months | No verified information | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 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 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 |
| Upgrade without a health check | No verified information | YesSource: ZB Ambulantversicherung 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 |
| Notable exclusions | No verified information | No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; risky ventures (Wagnisse) not covered.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
Legal protection
| Feature | Atupri Intense | CSS Ambulantversicherung myFlex Balance | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Legal protection abroad per case | CHF 50’000Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 13 | CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | equal |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.