Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Balance vs. SWICA Optima: benefits compared CSS Ambulantversicherung myFlex Balance vs. SWICA Optima: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and SWICA Optima in 7 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 3 features, SWICA Optima on 3; both are equal on 4.
Outpatient
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
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 700 Source: ZB Optima (VVG), edition 2027, p. 4 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
Alternative medicine
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable 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 No verified information not comparable Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Therapist requirements
No verified information Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods). Source: ZB Optima (VVG), edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90% Source: ZB Optima (VVG), edition 2027, p. 5 equal Medical aids: annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), 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
SWICA Optima
Result Contribution for adults
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: ZB Optima (VVG), edition 2027, p. 5 SWICA Optima better Period for adults in months
12 months Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 36 months Source: ZB Optima (VVG), edition 2027, p. 5 CSS Ambulantversicherung myFlex Balance better 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
Prevention
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Optima (VVG), edition 2027, p. 4 equal Vaccinations: annual cap
Unlimited Source: 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 90% Source: ZB Optima (VVG), edition 2027, p. 4 equal Coverage (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Annual cap
No verified information CHF 300 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Health check-up
No verified information Unlimited Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Prevention” compared
Psychotherapy
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
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 CHF 1’500 Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better Therapist requirements
Psychotherapist must be recognised by CSS Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Maximum sessions per year
No verified information 60 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Balance
SWICA Optima
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 SWICA Optima better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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 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 Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Other notable benefits
No verified information Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad. Source: ZB Optima (VVG), edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.