CSS Alternativversicherung myFlex Economy vs. SWICA Optima: benefits compared
Direct comparison of CSS Alternativversicherung myFlex Economy and SWICA Optima 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, SWICA Optima on 2; both are equal on 1.
- CSS Alternativversicherung myFlex Economy
- SWICA Optima
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Alternative medicine
| Feature | CSS Alternativversicherung myFlex Economy | SWICA Optima | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | No verified information | not comparable |
| 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 | Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3 | not comparable |
Medicines and medical aids
| Feature | CSS Alternativversicherung myFlex Economy | SWICA Optima | Result |
|---|---|---|---|
| Medical aids (percent) | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | 90%Source: ZB Optima (VVG), edition 2027, p. 5 | SWICA Optima better |
| Medical aids: annual cap | No verified information | CHF 300Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), edition 2027, p. 1 | not comparable |
Contract terms
| Feature | CSS Alternativversicherung myFlex Economy | SWICA Optima | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Optima better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 | No verified information | 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 | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Other notable benefits | No verified information | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.