Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Balance vs. ÖKK ÖKK START: benefits compared CSS Ambulantversicherung myFlex Balance vs. ÖKK ÖKK START: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and ÖKK ÖKK START in 8 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 10 features, ÖKK ÖKK START on 1; both are equal on 6.
Outpatient
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
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 1’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance 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
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90% Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 20’000 Source: AVB ÖKK START 2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 50% Source: AVB ÖKK START 2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better Medical aids: annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: AVB ÖKK START 2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Contribution for adults
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 80 Source: AVB ÖKK START 2026, edition 2027, p. 3 CSS Ambulantversicherung myFlex Balance better Period for adults in months
12 months Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 12 months Source: AVB ÖKK START 2026, edition 2027, p. 3 equal Laser eye surgery
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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
Dental care
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
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 No verified information not comparable Benefits up to age
18 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 25 Source: AVB ÖKK START 2026, edition 2027, p. 4 ÖKK ÖKK START better Orthodontics: maximum amount
CHF 12’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Orthodontics up to age
20 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Wisdom teeth removal
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 equal Dental treatment abroad
No verified information Yes Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Dental care” compared
Rescue and transport
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Rescue cost cap
CHF 100’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better Transport cost cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 50’000 Source: AVB ÖKK START 2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better 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 300 Source: AVB ÖKK START 2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better
All products in “Rescue and transport” compared
Home help
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Daily cap
CHF 50 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 40 Source: AVB ÖKK START 2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better Annual cap
CHF 2’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 400 Source: AVB ÖKK START 2026, edition 2027, p. 4 CSS Ambulantversicherung myFlex Balance better Home nursing (per day)
CHF 50 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
All products in “Home help” compared
Psychotherapy
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Coverage (percent)
75% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Therapist requirements
Psychotherapist must be recognised by CSS Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Psychotherapist must hold cantonal licence for independent practice Source: AVB ÖKK START 2026, edition 2027, p. 3 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Balance
ÖKK ÖKK START
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 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 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 equal 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 ÖKK START 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 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 No verified information not comparable Other notable benefits
No verified information Thermal bath 50% up to 12 entries per year; public transport costs 90% up to CHF 100 per year for treatments far from home; inpatient rehabilitation up to 60 days per year at full cost coverage Source: AVB ÖKK START 2026, edition 2027, p. 4 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.