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

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

CSS Ambulantversicherung myFlex Balance is better on 1 features, CSS Ambulantversicherung myFlex Premium on 15; both are equal on 38.

Outpatient

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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	90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2	CSS Ambulantversicherung myFlex Premium better
Sterilisation	CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2	CHF 5’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2	CSS Ambulantversicherung myFlex Premium better
Ear correction for children	CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 5’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better

All products in “Outpatient” compared

Alternative medicine

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Coverage (percent)	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	equal
Annual cap	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	equal
Maximum per session	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	equal
Natural remedies (percent)	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	equal
Natural remedies: annual cap	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	equal

All products in “Alternative medicine” compared

Medicines and medical aids

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better

All products in “Medicines and medical aids” compared

Glasses and contact lenses

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Contribution for adults	CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better
Period for adults in months	12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal
Laser eye surgery	CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better
Contribution for children	CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better
Children's rule applies up to age	18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	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	Children up to end of year of 18th birthday: CHF 300 per insured event; adults: CHF 300 per calendar yearSource: 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 Premium	Result
Coverage (percent)	50%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	50%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal
Annual cap	CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better
Orthodontics for children	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal
Benefits up to age	18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal
Orthodontics: maximum amount	CHF 12’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better
Orthodontics up to age	20Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	20Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal
Wisdom teeth removal	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	equal

All products in “Dental care” compared

Prevention

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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	UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
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

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Waiting period in months	12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2	12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2	equal
Home birth	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	No verified information	not comparable
Breastfeeding allowance	CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
Birth centre	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
Newborns without health check	YesSource: 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

All products in “Maternity” compared

Travel abroad

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Emergency cover cap	UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
Worldwide validity	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
Planned treatment abroad	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5	CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5	CSS Ambulantversicherung myFlex Premium better
Visit trip for a close relative	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5	equal

All products in “Travel abroad” compared

Rescue and transport

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5	CSS Ambulantversicherung myFlex Premium better

All products in “Rescue and transport” compared

Home help

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Daily cap	CHF 50Source: 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 Premium better
Annual cap	CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	CHF 4’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	CSS Ambulantversicherung myFlex Premium better
Home nursing (per day)	CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 100Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CSS Ambulantversicherung myFlex Premium better

All products in “Home help” compared

Psychotherapy

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	Result
Coverage (percent)	75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	equal
Annual cap	CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	CHF 3’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	CSS Ambulantversicherung myFlex Premium better
Therapist requirements	Psychotherapist must be recognised by CSSSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	Psychotherapist must be recognised by CSSSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	not comparable

All products in “Psychotherapy” compared

Contract terms

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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	No verified information	not comparable
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; risky ventures covered up to CHF 250,000 per year.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	not comparable
Other notable benefits	No verified information	Illness and accidents resulting from Wagnisse (hazardous activities) are insured up to CHF 250,000 per calendar year, only in Premium.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	not comparable

All products in “Contract terms” compared

Legal protection

Feature	CSS Ambulantversicherung myFlex Balance	CSS Ambulantversicherung myFlex Premium	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.