Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Balance vs. Helsana COMPLETA: benefits compared CSS Ambulantversicherung myFlex Balance vs. Helsana COMPLETA: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and Helsana COMPLETA in 8 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 1 features, Helsana COMPLETA on 4; both are equal on 10.
Outpatient
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Out-of-canton coverage (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Free doctor choice
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Doctors outside the KVG (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Sterilisation
CHF 2’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 4’500 Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 Helsana COMPLETA better Ear correction for children
CHF 2’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
All products in “Outpatient” compared
Alternative medicine
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 75% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Maximum per session
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Natural remedies (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 equal Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal Medical aids: annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 1’500 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better Hearing aids: cap
No verified information CHF 1’500 Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 not comparable
All products in “Medicines and medical aids” compared
Dental care
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Coverage (percent)
50% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Orthodontics for children
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Yes Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal Benefits up to age
18 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Orthodontics: maximum amount
CHF 12’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 10’000 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better Orthodontics up to age
20 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 20 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal Wisdom teeth removal
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Yes Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 equal
All products in “Dental care” compared
Prevention
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 equal Vaccinations: annual cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Coverage (percent)
No verified information 90% Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable Annual cap
No verified information CHF 750 Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable
All products in “Prevention” compared
Travel abroad
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Emergency cover cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Worldwide validity
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Visit trip for a close relative
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable
All products in “Travel abroad” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Balance
Helsana COMPLETA
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana COMPLETA better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal No-claims bonus
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Family discount
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 No verified information not comparable Upgrade without a health check
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 7 No verified information not comparable Suspension possible
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Accident cover included
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable 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 by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-old Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), 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 verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.