Atupri Mivita Reala vs. CSS Ambulantversicherung myFlex Premium: benefits compared
Direct comparison of Atupri Mivita Reala and CSS Ambulantversicherung myFlex Premium in 12 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 4 features, CSS Ambulantversicherung myFlex Premium on 9; both are equal on 11.
- Atupri Mivita Reala
- CSS Ambulantversicherung myFlex Premium
- Compare with other products
- Have your own policy checked: order the report
Outpatient
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Sterilisation | CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 9 | CHF 5’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | CSS Ambulantversicherung myFlex Premium better |
| Contraception (percent) | 60%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 | No verified information | not comparable |
| Contraception: annual cap | CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 | 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 | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
| Ear correction for children | No verified information | CHF 5’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
Alternative medicine
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | Atupri Mivita Reala better |
| Annual cap | CHF 1’500Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | Atupri Mivita Reala better |
| 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 | 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 |
Medicines and medical aids
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Medicines outside the SL (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 3 | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | equal |
| Medical aids (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Medical aids: annual cap | CHF 750Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Medicines outside the SL: maximum | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
Glasses and contact lenses
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Contribution for adults | CHF 300Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Period for adults in months | 12 monthsSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | equal |
| Laser eye surgery | No verified information | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
| Contribution for children | No verified information | CHF 300Source: 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 300 per insured event; adults: CHF 300 per calendar yearSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | not comparable |
Prevention
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Health check-up | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | 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 Mivita Reala | CSS Ambulantversicherung myFlex Premium | 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 | CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Birth centre | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | equal |
| Newborns without health check | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | Atupri Mivita Reala better |
| Waiting period in months | No verified information | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
Travel abroad
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | 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 |
| Planned treatment abroad | Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CSS Ambulantversicherung myFlex Premium better |
| 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 |
| Emergency cover cap | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 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 Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Transport cost cap | CHF 20’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CSS Ambulantversicherung myFlex Premium better |
| Rescue cost cap | No verified information | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
| Repatriation to Switzerland | No verified information | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
| Trips to treatments | No verified information | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
Home help
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Daily cap | CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 | CHF 100Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CSS Ambulantversicherung myFlex Premium better |
| Maximum number of days | 30Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 6 | No verified information | not comparable |
| Home nursing (per day) | CHF 40Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 11 | CHF 100Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Annual cap | No verified information | CHF 4’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Psychotherapy
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Coverage (percent) | 60%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 | 75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CSS Ambulantversicherung myFlex Premium better |
| Annual cap | CHF 1’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 | CHF 3’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CSS Ambulantversicherung myFlex Premium better |
| Therapist requirements | Psychologists and other professionals with a cantonal licence for independent practice or membership of SPV, SBAP or FSP.Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 7 | Psychotherapist must be recognised by CSSSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | 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 | 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 |
| 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 | No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; risky ventures covered up to CHF 250,000 per year.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | 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 |
| 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 |
| Other notable benefits | No verified information | Illness and accidents resulting from Wagnisse (hazardous activities) are insured up to CHF 250,000 per calendar year, only in Premium.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | not comparable |
Legal protection
| Feature | Atupri Mivita Reala | CSS Ambulantversicherung myFlex Premium | 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.