Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Balance vs. KPT Pulse Pulse Premium: benefits compared CSS Ambulantversicherung myFlex Balance vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and KPT Pulse Pulse Premium in 10 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 5 features, KPT Pulse Pulse Premium on 10; both are equal on 5.
Outpatient
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
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 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 equal 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
KPT Pulse Pulse Premium
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 KPT Pulse Pulse Premium better Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 KPT Pulse Pulse Premium better 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 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 KPT Pulse Pulse Premium better Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 KPT Pulse Pulse Premium better Therapist requirements
No verified information Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 equal Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 CSS Ambulantversicherung myFlex Balance better Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Medical aids: annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CSS Ambulantversicherung myFlex Balance better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
Result Contribution for adults
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 KPT Pulse Pulse Premium better Period for adults in months
12 months Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CSS Ambulantversicherung myFlex Balance better Laser eye surgery
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 600 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 KPT Pulse Pulse Premium better Contribution for children
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Children's rule applies up to age
18 Source: 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 year Source: 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
KPT Pulse Pulse Premium
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 KPT Pulse Pulse Premium better Vaccinations: annual cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 800 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 CSS Ambulantversicherung myFlex Balance better Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 KPT Pulse Pulse Premium better Coverage (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable Health check-up
No verified information CHF 4’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 2 not comparable
All products in “Prevention” compared
Maternity
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
Result Waiting period in months
12 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Home birth
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Breastfeeding allowance
CHF 200 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Birth centre
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Newborns without health check
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Birth preparation amount
No verified information CHF 450 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 not comparable
All products in “Maternity” compared
Travel abroad
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
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 No verified information not comparable 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 Maximum trip duration in days
No verified information 56 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 not comparable Trip cancellation costs
No verified information CHF 20’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Rescue and transport
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
Result Rescue cost cap
CHF 100’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Transport cost cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Repatriation to Switzerland
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Trips to treatments
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 500 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
All products in “Rescue and transport” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Balance
KPT Pulse Pulse Premium
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 KPT Pulse Pulse Premium better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 Yes Source: AVB für die Zusatzversicherungen nach VVG, 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 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
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 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.