CSS Ambulantversicherung myFlex Balance vs. ÖKK ÖKK PROTECT: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and ÖKK ÖKK PROTECT in 3 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 0 features, ÖKK ÖKK PROTECT on 0; both are equal on 5.
- CSS Ambulantversicherung myFlex Balance
- ÖKK ÖKK PROTECT
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Travel abroad
| Feature | CSS Ambulantversicherung myFlex Balance | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Emergency cover cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Worldwide validity | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | YesSource: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 2 | equal |
| Planned treatment abroad | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Visit trip for a close relative | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Balance | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | 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: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | equal |
| Accident cover included | YesSource: 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 | No verified information | 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 | Legal protection only in connection with health damage; excludes disputes about psychiatric/psychotherapeutic treatment, fees and invoices, ÖKK premium invoices, defence against damage claims, and cases not expressly listed or occurring before the policy started.Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | not comparable |
Legal protection
| Feature | CSS Ambulantversicherung myFlex Balance | ÖKK ÖKK PROTECT | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 250’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | equal |
| Legal protection abroad per case | CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | CHF 50’000Source: AVB ÖKK PROTECT 2026 (Ausgabe 1.1.2022), edition 2027, p. 3 | equal |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.