Atupri Spital Spital Opti 1 vs. CSS Ambulantversicherung myFlex Premium: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and CSS Ambulantversicherung myFlex Premium in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 1 is better on 1 features, CSS Ambulantversicherung myFlex Premium on 2; both are equal on 7.
- Atupri Spital Spital Opti 1
- CSS Ambulantversicherung myFlex Premium
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Maternity
| Feature | Atupri Spital Spital Opti 1 | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: 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 |
| Breastfeeding allowance | No verified information | CHF 200Source: 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 Spital Spital Opti 1 | CSS Ambulantversicherung myFlex Premium | Result |
|---|---|---|---|
| Emergency cover cap | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CSS Ambulantversicherung myFlex Premium better |
| 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 Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CSS Ambulantversicherung myFlex Premium better |
| Visit trip for a close relative | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | Atupri Spital Spital Opti 1 | 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 Spital Spital Opti 1 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 Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | 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 |
| Family discount | YesSource: AVB Zusatzversicherungen nach VVG, Ausgabe 1.1.2026, edition 2027, p. 6 | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 | equal |
| Premium and age | Premium is based on age classes; it changes at the start of the year in which age 13, 19, 26, 30, 35, 40, 45, 50, 55, 60, 65 and 70 is reached.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | 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 | Only acute hospital stays are covered; no outpatient treatment (except Art. 6.3), no stays in hospitals not on the cantonal hospital list, no benefits if travelling abroad for treatment; psychiatric clinic limited to 90 days per year.Source: ZVB Spital, 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 |
| Other notable benefits | Uncovered costs of the healthy newborn after birth in a private/semi-private ward are paid from the mother's Spital insurance.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | 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 |
| No-claims bonus | No verified information | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, 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 Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | not comparable |
Legal protection
| Feature | Atupri Spital Spital Opti 1 | 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.