CSS Ambulantversicherung myFlex Balance vs. SWICA Hospita Hospita Halbprivat: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and SWICA Hospita Hospita Halbprivat in 4 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 1 features, SWICA Hospita Hospita Halbprivat on 1; both are equal on 4.
- CSS Ambulantversicherung myFlex Balance
- SWICA Hospita Hospita Halbprivat
- Compare with other products
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Maternity
| Feature | CSS Ambulantversicherung myFlex Balance | SWICA Hospita Hospita Halbprivat | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | equal |
| Home birth | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Breastfeeding allowance | CHF 200Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Birth centre | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Newborns without health check | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Balance | SWICA Hospita Hospita Halbprivat | Result |
|---|---|---|---|
| Rescue cost cap | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | CSS Ambulantversicherung myFlex Balance better |
| Transport cost cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | equal |
| Repatriation to Switzerland | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Trips to treatments | CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
Home help
| Feature | CSS Ambulantversicherung myFlex Balance | SWICA Hospita Hospita Halbprivat | Result |
|---|---|---|---|
| Daily cap | CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Annual cap | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Home nursing (per day) | CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Maximum number of days | No verified information | 60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Balance | SWICA Hospita Hospita Halbprivat | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Hospita Hospita Halbprivat better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 | No verified information | not comparable |
| 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 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | 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 | Extra costs of medically necessary out-of-canton treatment not covered; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
| Other notable benefits | No verified information | Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 3Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.