Atupri Intense vs. CSS Spitalversicherung myFlex Balance: benefits compared
Direct comparison of Atupri Intense and CSS Spitalversicherung myFlex Balance in 8 categories. All values come from the policy terms and are backed by their source.
Atupri Intense is better on 5 features, CSS Spitalversicherung myFlex Balance on 2; both are equal on 3.
- Atupri Intense
- CSS Spitalversicherung myFlex Balance
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Alternative medicine
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, 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 Spitalversicherung myFlex, Ausgabe 01.2009, 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 |
Prevention
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | Atupri Intense better |
| Annual cap | CHF 500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | equal |
| Health check-up | CHF 500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | No verified information | not comparable |
Fitness
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Annual contribution | CHF 500Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | equal |
| Contribution (percent of cost) | 75%Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 4 | No verified information | not comparable |
Maternity
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Breastfeeding allowance | CHF 200Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 6 | No verified information | not comparable |
| Newborns without health check | YesSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 1 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | Atupri Intense 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 |
| Birth centre | No verified information | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | not comparable |
Travel abroad
| Feature | Atupri Intense | 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 Intense, Ausgabe 1.4.2024, edition 2027, p. 3 | 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 |
Rescue and transport
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Repatriation to Switzerland | UnlimitedSource: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 3 | No verified information | not comparable |
| Trips to treatments | No verified information | CHF 1’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | not comparable |
Cures and recovery
| Feature | Atupri Intense | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 60Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
| Recovery stay (per day) | CHF 60Source: ZVB Intense, Ausgabe 1.4.2024, edition 2027, p. 5 | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
Contract terms
| Feature | Atupri Intense | CSS Spitalversicherung 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 adjusted to the insured's ageSource: 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 | 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 |
| 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 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 |
| Notable exclusions | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.