CSS Ambulantversicherung myFlex Economy vs. ÖKK ÖKK SPITAL SPITAL FLEX MINI: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Economy and ÖKK ÖKK SPITAL SPITAL FLEX MINI in 3 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Economy is better on 0 features, ÖKK ÖKK SPITAL SPITAL FLEX MINI on 0; both are equal on 6.
- CSS Ambulantversicherung myFlex Economy
- ÖKK ÖKK SPITAL SPITAL FLEX MINI
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Maternity
| Feature | CSS Ambulantversicherung myFlex Economy | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | 12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 | 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 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | equal |
| Newborns without health check | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
Travel abroad
| Feature | CSS Ambulantversicherung myFlex Economy | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Emergency cover cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Worldwide validity | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
| Planned treatment abroad | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Visit trip for a close relative | YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Economy | ÖKK ÖKK SPITAL SPITAL FLEX MINI | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | equal |
| 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 |
| Other notable benefits | No verified information | Second medical opinion before planned surgery at insurer's cost; free choice of doctor in semi-private/private wardSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.