CSS Alternativversicherung myFlex vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of CSS Alternativversicherung myFlex and KPT Pulse Pulse Premium in 5 categories. All values come from the policy terms and are backed by their source.
CSS Alternativversicherung myFlex is better on 0 features, KPT Pulse Pulse Premium on 1; both are equal on 5.
- CSS Alternativversicherung myFlex
- KPT Pulse Pulse Premium
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Alternative medicine
| Feature | CSS Alternativversicherung myFlex | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | 75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | equal |
| Natural remedies (percent) | 75%Source: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | 75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | equal |
| 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 | Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT listSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | not comparable |
| Annual cap | No verified information | CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | not comparable |
| Natural remedies: annual cap | No verified information | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
Medicines and medical aids
| Feature | CSS Alternativversicherung myFlex | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Medical aids (percent) | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | No verified information | not comparable |
| Medicines outside the SL (percent) | No verified information | 90%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 | not comparable |
| Medicines outside the SL: maximum | No verified information | CHF 50’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 | not comparable |
| Medical aids: annual cap | No verified information | CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Maternity
| Feature | CSS Alternativversicherung myFlex | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Newborns without health check | YesSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 2 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | CSS Alternativversicherung myFlex | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Worldwide validity | Not coveredSource: ZB Alternativversicherung myFlex, Ausgabe 01.2011, edition 2027, p. 3 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | CSS Alternativversicherung myFlex | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Pulse Pulse Premium better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | equal |
| 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 are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 5 | 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 |
| Prerequisite | No verified information | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.