Atupri Spital Spital Opti 1 vs. CSS Spitalversicherung myFlex Economy: benefits compared
Direct comparison of Atupri Spital Spital Opti 1 and CSS Spitalversicherung myFlex Economy in 4 categories. All values come from the policy terms and are backed by their source.
Atupri Spital Spital Opti 1 is better on 4 features, CSS Spitalversicherung myFlex Economy on 3; both are equal on 8.
- Atupri Spital Spital Opti 1
- CSS Spitalversicherung myFlex Economy
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Hospital
| Feature | Atupri Spital Spital Opti 1 | CSS Spitalversicherung myFlex Economy | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Economy better |
| Ward choice at admission | YesSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | equal |
| Cost share semi-private (percent) | 40%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | 40%Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | equal |
| Cost share private (percent) | 50%Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | 70%Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | Atupri Spital Spital Opti 1 better |
| Maximum cost share per year | CHF 8’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | CHF 8’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | equal |
| Coverage in non-listed hospitals | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 90Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | 60Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | Atupri Spital Spital Opti 1 better |
| Rooming-in (per day) | CHF 50Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | Atupri Spital Spital Opti 1 better |
| Ward | General, semi-private or private ward of the insured's choice, with corresponding cost share.Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 1 | General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | not comparable |
Maternity
| Feature | Atupri Spital Spital Opti 1 | CSS Spitalversicherung myFlex Economy | Result |
|---|---|---|---|
| Newborns without health check | Not coveredSource: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 2 | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | CSS Spitalversicherung myFlex Economy 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 Spital Spital Opti 1 | CSS Spitalversicherung myFlex Economy | Result |
|---|---|---|---|
| Emergency cover cap | CHF 40’000Source: ZVB Spital, Ausgabe 1.1.2022, edition 2027, p. 4 | UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | CSS Spitalversicherung myFlex Economy better |
| 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 Spital, Ausgabe 1.1.2022, edition 2027, p. 3 | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | equal |
Contract terms
| Feature | Atupri Spital Spital Opti 1 | CSS Spitalversicherung 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 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 adjusted to the insured's ageSource: 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 | 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 |
| 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 | Inpatient sterilisation covered up to CHF 500 per case.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | not comparable |
| No-claims bonus | No verified information | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.