CSS Ambulantversicherung myFlex Economy vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared

Direct comparison of CSS Ambulantversicherung myFlex Economy and ÖKK ÖKK SPITAL SPITAL PRIVAT 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 PRIVAT on 0; both are equal on 6.

Maternity

Feature CSS Ambulantversicherung myFlex Economy ÖKK ÖKK SPITAL SPITAL PRIVAT 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

All products in “Maternity” compared

Travel abroad

Feature CSS Ambulantversicherung myFlex Economy ÖKK ÖKK SPITAL SPITAL PRIVAT 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

All products in “Travel abroad” compared

Contract terms

Feature CSS Ambulantversicherung myFlex Economy ÖKK ÖKK SPITAL SPITAL PRIVAT 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

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.

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