CSS Ambulantversicherung myFlex Balance vs. CSS Ambulantversicherung myFlex Economy: benefits compared

Direct comparison of CSS Ambulantversicherung myFlex Balance and CSS Ambulantversicherung myFlex Economy in 13 categories. All values come from the policy terms and are backed by their source.

CSS Ambulantversicherung myFlex Balance is better on 18 features, CSS Ambulantversicherung myFlex Economy on 0; both are equal on 34.

Outpatient

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Out-of-canton coverage (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 equal
Free doctor choice YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 equal
Doctors outside the KVG (percent) Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 equal
Sterilisation CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CSS Ambulantversicherung myFlex Balance better
Ear correction for children CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better

All products in “Outpatient” compared

Alternative medicine

All products in “Alternative medicine” compared

Medicines and medical aids

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Medicines outside the SL (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 equal
Medicines outside the SL: maximum UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 equal
Medical aids (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 equal
Medical aids: annual cap CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 500Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Contribution for adults CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Period for adults in months 12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Laser eye surgery CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Contribution for children CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Children's rule applies up to age 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Age limits Children up to end of year of 18th birthday: CHF 150 per insured event; adults: CHF 150 per calendar yearSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 not comparable

All products in “Glasses and contact lenses” compared

Dental care

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Coverage (percent) 50%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Annual cap CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Orthodontics for children YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Benefits up to age 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Orthodontics: maximum amount CHF 12’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
Orthodontics up to age 20Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Wisdom teeth removal YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better

All products in “Dental care” compared

Prevention

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Vaccinations (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 equal
Vaccinations: annual cap UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 100Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
Gynaecological screening (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 equal

All products in “Prevention” compared

Maternity

All products in “Maternity” compared

Travel abroad

All products in “Travel abroad” compared

Rescue and transport

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Rescue cost cap CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 equal
Transport cost cap UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 equal
Repatriation to Switzerland UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 equal
Trips to treatments CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 250Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CSS Ambulantversicherung myFlex Balance better

All products in “Rescue and transport” compared

Home help

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Daily cap CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
Annual cap CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
Home nursing (per day) CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better

All products in “Home help” compared

Psychotherapy

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Coverage (percent) 75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
Annual cap CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
Therapist requirements Psychotherapist must be recognised by CSSSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable

All products in “Psychotherapy” compared

Contract terms

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Minimum contract duration in years 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Cancellation notice in months 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Insurer does not cancel after a claim YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
No-claims bonus YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 equal
Family discount YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 equal
Upgrade without a health check YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 7 YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 7 equal
Suspension possible YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Accident cover included YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 equal
Premium and age Premiums may be graded by age groups and are adjusted to the insured person's age group.Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Premiums may be graded by age groups and are adjusted to the insured person's age group.Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 not comparable
Notable exclusions No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; risky ventures (Wagnisse) not covered.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; many benefits not covered in Economy.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 not comparable

All products in “Contract terms” compared

Feature CSS Ambulantversicherung myFlex Balance CSS Ambulantversicherung myFlex Economy Result
Patient legal protection per case CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 equal
Legal protection abroad per case CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 equal

All products in “Legal protection” compared

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

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