Atupri Mivita Reala vs. CSS Alternativversicherung myFlex Economy: benefits compared
Direct comparison of Atupri Mivita Reala and CSS Alternativversicherung myFlex Economy in 5 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 3 features, CSS Alternativversicherung myFlex Economy on 1; both are equal on 3.
- Atupri Mivita Reala
- CSS Alternativversicherung myFlex Economy
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Alternative medicine
| Feature | Atupri Mivita Reala | CSS Alternativversicherung myFlex Economy | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | CSS Alternativversicherung myFlex Economy better |
| Annual cap | CHF 1’500Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
| Therapist requirements | Treatment by a qualified medical doctor or by a naturopath/therapist recognised by Atupri, for methods for which the therapist has Atupri recognition.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | Provider and method must both be on the CSS lists of recognised providers and methods; provider must meet CSS recognition criteria.Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | not comparable |
| Natural remedies (percent) | No verified information | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | not comparable |
Medicines and medical aids
| Feature | Atupri Mivita Reala | CSS Alternativversicherung myFlex Economy | Result |
|---|---|---|---|
| Medicines outside the SL (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Medical aids (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | Atupri Mivita Reala better |
| Medical aids: annual cap | CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | not comparable |
Maternity
| Feature | Atupri Mivita Reala | CSS Alternativversicherung myFlex Economy | Result |
|---|---|---|---|
| Home birth | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | No verified information | not comparable |
| Breastfeeding allowance | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | No verified information | not comparable |
| Birth centre | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | No verified information | not comparable |
| Newborns without health check | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | equal |
Travel abroad
| Feature | Atupri Mivita Reala | CSS Alternativversicherung myFlex Economy | Result |
|---|---|---|---|
| Worldwide validity | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 3 | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | Atupri Mivita Reala better |
| Planned treatment abroad | Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | No verified information | not comparable |
| 24h emergency line and assistance | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 13 | No verified information | not comparable |
| Trip cancellation costs | CHF 5’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | No verified information | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | CSS Alternativversicherung myFlex Economy | 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 Mivita Reala 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 |
| Maximum entry age | 70Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | 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 |
| Premium and age | Premiums are set by current age in age classes and generally rise with age; the premium changes at ages 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70.Source: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | 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 | Benefits only for treatment in Switzerland (except emergencies, glasses/aids, spa cures Extensa); no benefits for outpatient hospital treatment, chronic inpatient care, or semi-private/private ward stays; benefits depend on age and sex life phase.Source: ZVB Mivita (Reala), 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 |
| 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.