CSS Ambulantversicherung myFlex Economy vs. Helsana HOSPITAL FLEX Flex 1: benefits compared

Direct comparison of CSS Ambulantversicherung myFlex Economy and Helsana HOSPITAL FLEX Flex 1 in 4 categories. All values come from the policy terms and are backed by their source.

CSS Ambulantversicherung myFlex Economy is better on 1 features, Helsana HOSPITAL FLEX Flex 1 on 2; both are equal on 4.

Maternity

Feature CSS Ambulantversicherung myFlex Economy Helsana HOSPITAL FLEX Flex 1 Result
Waiting period in months 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 12 monthsSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 equal
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

All products in “Maternity” compared

Travel abroad

Feature CSS Ambulantversicherung myFlex Economy Helsana HOSPITAL FLEX Flex 1 Result
Emergency cover cap UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Ambulantversicherung myFlex Economy better
Worldwide validity YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable
Planned treatment abroad Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 500Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 Helsana HOSPITAL FLEX Flex 1 better
Visit trip for a close relative YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable

All products in “Travel abroad” compared

Home help

Feature CSS Ambulantversicherung myFlex Economy Helsana HOSPITAL FLEX Flex 1 Result
Daily cap Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 equal
Annual cap Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable
Home nursing (per day) Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Maximum number of days No verified information Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 not comparable

All products in “Home help” compared

Contract terms

Feature CSS Ambulantversicherung myFlex Economy Helsana HOSPITAL FLEX Flex 1 Result
Minimum contract duration in years 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL FLEX Flex 1 better
Cancellation notice in months 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal
Insurer does not cancel after a claim YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 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 No verified information not comparable
Notable exclusions No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; many benefits not covered in Economy.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.

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