Atupri Mivita Reala vs. CSS Spitalversicherung myFlex Balance: benefits compared
Direct comparison of Atupri Mivita Reala and CSS Spitalversicherung myFlex Balance in 8 categories. All values come from the policy terms and are backed by their source.
Atupri Mivita Reala is better on 4 features, CSS Spitalversicherung myFlex Balance on 3; both are equal on 6.
- Atupri Mivita Reala
- CSS Spitalversicherung myFlex Balance
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Alternative medicine
| Feature | Atupri Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, 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 Spitalversicherung myFlex, Ausgabe 01.2009, 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 |
Prevention
| Feature | Atupri Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | not comparable |
| Health check-up | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | not comparable |
| Coverage (percent) | No verified information | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
| Annual cap | No verified information | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
Fitness
| Feature | Atupri Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Annual contribution | CHF 200Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
| Contribution (percent of cost) | 50%Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 5 | No verified information | not comparable |
Maternity
| Feature | Atupri Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Home birth | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 8 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | equal |
| 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 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | equal |
| Newborns without health check | YesSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | Atupri Mivita Reala better |
| Waiting period in months | No verified information | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | not comparable |
Travel abroad
| Feature | Atupri Mivita Reala | 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 |
| Planned treatment abroad | Not coveredSource: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 14 | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | equal |
| 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: Leistungsuebersicht myFlex, edition 2027, p. 2 | not comparable |
Rescue and transport
| Feature | Atupri Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Transport cost cap | CHF 20’000Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | 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 Mivita Reala | CSS Spitalversicherung myFlex Balance | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
| Recovery stay (per day) | CHF 60Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Balance better |
| Maximum cure days per year | 10Source: ZVB Mivita (Reala), Ausgabe 1.1.2022, edition 2027, p. 4 | No verified information | not comparable |
Contract terms
| Feature | Atupri Mivita Reala | 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 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 adjusted to the insured's ageSource: 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 | 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 |
| 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 |
| Other notable benefits | No verified information | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.