CSS Alternativversicherung myFlex vs. Helsana COMPLETA: benefits compared

Direct comparison of CSS Alternativversicherung myFlex and Helsana COMPLETA in 4 categories. All values come from the policy terms and are backed by their source.

CSS Alternativversicherung myFlex is better on 0 features, Helsana COMPLETA on 3; both are equal on 3.

Alternative medicine

Feature CSS Alternativversicherung myFlex Helsana COMPLETA Result
Coverage (percent) 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 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

All products in “Alternative medicine” compared

Medicines and medical aids

Feature CSS Alternativversicherung myFlex Helsana COMPLETA Result
Medical aids (percent) Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better
Medicines outside the SL (percent) No verified information 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 not comparable
Medical aids: annual cap No verified information CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 not comparable
Hearing aids: cap No verified information CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 not comparable

All products in “Medicines and medical aids” compared

Travel abroad

Feature CSS Alternativversicherung myFlex Helsana COMPLETA 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 COMPLETA better

All products in “Travel abroad” compared

Contract terms

Feature CSS Alternativversicherung myFlex Helsana COMPLETA 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 COMPLETA 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 by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: 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 No verified information not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.

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