CSS Alternativversicherung myFlex Economy vs. Helsana SANA: benefits compared
Direct comparison of CSS Alternativversicherung myFlex Economy and Helsana SANA in 3 categories. All values come from the policy terms and are backed by their source.
CSS Alternativversicherung myFlex Economy is better on 0 features, Helsana SANA on 2; both are equal on 3.
- CSS Alternativversicherung myFlex Economy
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Alternative medicine
| Feature | CSS Alternativversicherung myFlex Economy | Helsana SANA | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | equal |
| Natural remedies (percent) | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | No verified information | not comparable |
| Therapist requirements | 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 | No verified information | not comparable |
Travel abroad
| Feature | CSS Alternativversicherung myFlex Economy | Helsana SANA | Result |
|---|---|---|---|
| Worldwide validity | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 | Helsana SANA better |
Contract terms
| Feature | CSS Alternativversicherung myFlex Economy | Helsana SANA | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | Helsana SANA better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| No-claims bonus | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | No verified information | not comparable |
| Family discount | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 | No verified information | not comparable |
| Upgrade without a health check | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Suspension possible | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Accident cover included | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | No verified information | not comparable |
| Premium and age | 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 | Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 | not comparable |
| Notable exclusions | 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 | Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.