Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Economy vs. KPT Pulse Pulse Top: benefits compared CSS Ambulantversicherung myFlex Economy vs. KPT Pulse Pulse Top: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Economy and KPT Pulse Pulse Top in 9 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Economy is better on 2 features, KPT Pulse Pulse Top on 11; both are equal on 5.
Alternative medicine
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Top better Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Top better 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 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Top better Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 KPT Pulse Pulse Top better Therapist requirements
No verified information Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT list Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 equal Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 50’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 CSS Ambulantversicherung myFlex Economy better Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Medical aids: annual cap
CHF 500 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 CSS Ambulantversicherung myFlex Economy better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Contribution for adults
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Period for adults in months
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 36 months Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Laser eye surgery
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Age limits
Not covered 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 Economy
KPT Pulse Pulse Top
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Vaccinations: annual cap
CHF 100 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 400 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 100% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 KPT Pulse Pulse Top better Coverage (percent)
No verified information 75% Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable Annual cap
No verified information CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable Health check-up
No verified information CHF 2’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 2 not comparable
All products in “Prevention” compared
Maternity
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Waiting period in months
12 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Breastfeeding allowance
CHF 200 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Birth centre
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Newborns without health check
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Birth preparation amount
No verified information CHF 300 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 not comparable
All products in “Maternity” compared
Travel abroad
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
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 No verified information not comparable 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: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 not comparable Trip cancellation costs
No verified information CHF 20’000 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 not comparable
All products in “Travel abroad” compared
Rescue and transport
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Rescue cost cap
CHF 100’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Transport cost cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Repatriation to Switzerland
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable Trips to treatments
CHF 250 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 250 Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 equal
All products in “Rescue and transport” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Economy
KPT Pulse Pulse Top
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 KPT Pulse Pulse Top better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 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 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 Yes Source: AVB für die Zusatzversicherungen nach VVG, 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 age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January. Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 5 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 Prerequisite
No verified information The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP). Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.