Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Economy vs. SWICA Optima: benefits compared CSS Ambulantversicherung myFlex Economy vs. SWICA Optima: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Economy and SWICA Optima in 7 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Economy is better on 1 features, SWICA Optima on 5; both are equal on 4.
Outpatient
Feature
CSS Ambulantversicherung myFlex Economy
SWICA Optima
Result Out-of-canton coverage (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Free doctor choice
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Doctors outside the KVG (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Sterilisation
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 700 Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better Ear correction for children
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
All products in “Outpatient” compared
Alternative medicine
Feature
CSS Ambulantversicherung myFlex Economy
SWICA Optima
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable 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 No verified information not comparable Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Therapist requirements
No verified information Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods). Source: ZB Optima (VVG), edition 2027, p. 3 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Economy
SWICA Optima
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
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90% Source: ZB Optima (VVG), edition 2027, p. 5 equal Medical aids: annual cap
CHF 500 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: Hilfsmittel VVG (Completa Top/Forte, Supplementa, Optima), 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
SWICA Optima
Result Contribution for adults
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 300 Source: ZB Optima (VVG), edition 2027, p. 5 SWICA Optima better Period for adults in months
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 36 months Source: ZB Optima (VVG), edition 2027, p. 5 SWICA Optima 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
SWICA Optima
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Optima (VVG), edition 2027, p. 4 equal Vaccinations: annual cap
CHF 100 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Optima (VVG), edition 2027, p. 4 equal Coverage (percent)
No verified information 90% Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Annual cap
No verified information CHF 300 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Health check-up
No verified information Unlimited Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Prevention” compared
Psychotherapy
Feature
CSS Ambulantversicherung myFlex Economy
SWICA Optima
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 1’500 Source: ZB Optima (VVG), edition 2027, p. 4 SWICA Optima better Maximum sessions per year
No verified information 60 Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Therapist requirements
No verified information Self-employed psychotherapist who is opted out of / has no KVG admission and is listed in the SWICA directory of recognised psychotherapists; treatment must be doctor-prescribed. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Economy
SWICA Optima
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 SWICA Optima better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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 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 Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products. Source: ZB Optima (VVG), edition 2027, p. 4 not comparable Other notable benefits
No verified information Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad. Source: ZB Optima (VVG), edition 2027, p. 5 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.