CSS Ambulantversicherung myFlex Balance vs. Helsana COMPLETA PLUS: benefits compared

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

CSS Ambulantversicherung myFlex Balance is better on 0 features, Helsana COMPLETA PLUS on 4; both are equal on 6.

Alternative medicine

Feature	CSS Ambulantversicherung myFlex Balance	Helsana COMPLETA PLUS	Result
Coverage (percent)	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	No verified information	not comparable
Annual cap	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	CHF 500Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	Helsana COMPLETA PLUS better
Maximum per session	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	No verified information	not comparable
Natural remedies (percent)	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	No verified information	not comparable
Natural remedies: annual cap	Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	No verified information	not comparable

All products in “Alternative medicine” compared

Glasses and contact lenses

Feature	CSS Ambulantversicherung myFlex Balance	Helsana COMPLETA PLUS	Result
Contribution for adults	CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 200Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	Helsana COMPLETA PLUS better
Period for adults in months	12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	12 monthsSource: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	equal
Laser eye surgery	CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3	CHF 500Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 1	Helsana COMPLETA PLUS 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	No verified information	not comparable

All products in “Glasses and contact lenses” compared

Prevention

Feature	CSS Ambulantversicherung myFlex Balance	Helsana COMPLETA PLUS	Result
Vaccinations (percent)	90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4	90%Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	equal
Vaccinations: annual cap	UnlimitedSource: 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

All products in “Prevention” compared

Contract terms

Feature	CSS Ambulantversicherung myFlex Balance	Helsana COMPLETA PLUS	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 PLUS 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 Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6	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: 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: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	equal
Accident cover included	YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	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 by 5-year age groups up to 91+; premiums for over-65s 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	Pre-existing illnesses and accidents, cosmetic treatments and dental treatments (unless explicitly covered) are excluded; no benefits for treatments begun before insurance start.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4	not comparable
Prerequisite	No verified information	Requires the COMPLETA supplementary insurance; COMPLETA PLUS lapses automatically when COMPLETA ends.Source: ZVB COMPLETA PLUS, Ausgabe 1. Januar 2024, edition 2027, p. 2	not comparable

All products in “Contract terms” compared

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