CSS Ambulantversicherung myFlex Balance vs. Visana Ambulant VIVA Ambulant VIVA III: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Balance and Visana Ambulant VIVA Ambulant VIVA III in 9 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Balance is better on 1 features, Visana Ambulant VIVA Ambulant VIVA III on 5; both are equal on 12.
- CSS Ambulantversicherung myFlex Balance
- Visana Ambulant VIVA Ambulant VIVA III
- Compare with other products
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Medicines and medical aids
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA 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 | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | equal |
| Medical aids: annual cap | CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CHF 2’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Ambulant VIVA Ambulant VIVA III better |
Glasses and contact lenses
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Contribution for adults | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Period for adults in months | 12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Laser eye surgery | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Contribution for children | CHF 150Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Children's rule applies up to age | 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | 18Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 yearSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
Dental care
Prevention
Maternity
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
| 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 |
| Birth preparation amount | No verified information | CHF 300Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Rescue cost cap | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III better |
| Transport cost cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | UnlimitedSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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 | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Daily cap | CHF 50Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | Visana Ambulant VIVA Ambulant VIVA III better |
| 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 | 30Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Psychotherapy
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA III | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 80%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Ambulant VIVA Ambulant VIVA III better |
| Annual cap | CHF 1’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 5’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 2 | Visana Ambulant VIVA Ambulant VIVA III better |
| Therapist requirements | Psychotherapist must be recognised by CSSSource: 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 allowed to bill via basic insurance; treatment must serve an illness.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Balance | Visana Ambulant VIVA Ambulant VIVA III | 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: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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 | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | equal |
| 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 | Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, 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 | Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Other notable benefits | No verified information | Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.