Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Balance vs. Visana Ambulant Ambulant III: benefits compared CSS Ambulantversicherung myFlex Balance vs. Visana Ambulant Ambulant III: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and Visana Ambulant Ambulant III in 7 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 0 features, Visana Ambulant Ambulant III on 2; both are equal on 10.
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
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 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 equal Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 equal Medical aids: annual cap
CHF 1’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
Result Contribution for adults
CHF 150 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Period for adults in months
12 months Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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 18 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 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 Period for children in months
No verified information 12 months Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 not comparable
All products in “Glasses and contact lenses” compared
Prevention
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 equal Vaccinations: annual cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 equal Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 equal Coverage (percent)
No verified information 90% Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 not comparable Health check-up
No verified information CHF 600 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 not comparable
All products in “Prevention” compared
Travel abroad
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
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 Yes Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 equal 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 not comparable
All products in “Travel abroad” compared
Rescue and transport
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
Result Rescue cost cap
CHF 100’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 Visana Ambulant Ambulant III better Transport cost cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 Unlimited Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 equal 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 No verified information not comparable
All products in “Rescue and transport” compared
Psychotherapy
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
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 5’000 Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2 Visana Ambulant Ambulant III better Therapist requirements
Psychotherapist must be recognised by CSS Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Therapist needs a cantonal licence to practise psychotherapy under the Psychology Professions Act (PsyG) and must not be able to bill the mandatory insurance; therapy must treat an illness Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Balance
Visana Ambulant Ambulant III
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: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, 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 set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January. Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.