Kleingedruckt

CSS Ambulantversicherung myFlex Premium vs. Helsana COMPLETA: benefits compared

Direct comparison of CSS Ambulantversicherung myFlex Premium and Helsana COMPLETA in 8 categories. All values come from the policy terms and are backed by their source.

CSS Ambulantversicherung myFlex Premium is better on 3 features, Helsana COMPLETA on 2; both are equal on 10.

Outpatient

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA 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 YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
Doctors outside the KVG (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable
Sterilisation CHF 5’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 4’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 CSS Ambulantversicherung myFlex Premium better
Ear correction for children CHF 5’000Source: 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 Premium Helsana COMPLETA Result
Coverage (percent) Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 75%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 Helsana COMPLETA better
Annual cap Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
Maximum per session Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
Natural remedies (percent) Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
Natural remedies: annual cap Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable

All products in “Alternative medicine” compared

Medicines and medical aids

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA Result
Medicines outside the SL (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1 equal
Medicines outside the SL: maximum UnlimitedSource: 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: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal
Medical aids: annual cap CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CSS Ambulantversicherung myFlex Premium better
Hearing aids: cap No verified information CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 not comparable

All products in “Medicines and medical aids” compared

Dental care

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA Result
Coverage (percent) 50%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Annual cap CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Orthodontics for children YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 YesSource: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal
Benefits up to age 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
Orthodontics: maximum amount UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 10’000Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 CSS Ambulantversicherung myFlex Premium better
Orthodontics up to age 20Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 20Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3 equal
Wisdom teeth removal YesSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 YesSource: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11 equal

All products in “Dental care” compared

Prevention

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA Result
Vaccinations (percent) 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 equal
Vaccinations: annual cap UnlimitedSource: 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 No verified information not comparable
Coverage (percent) No verified information 90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable
Annual cap No verified information CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4 not comparable

All products in “Prevention” compared

Travel abroad

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA 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 Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal
Planned treatment abroad CHF 250’000Source: 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 Premium Helsana COMPLETA 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 COMPLETA 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
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 Premiums by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 not comparable
Notable exclusions No alternative/complementary medicine; benefits are supplementary to KVG/UVG; treatment in Switzerland unless stated otherwise; risky ventures covered up to CHF 250,000 per year.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable
Other notable benefits Illness and accidents resulting from Wagnisse (hazardous activities) are insured up to CHF 250,000 per calendar year, only in Premium.Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable

All products in “Contract terms” compared

Feature CSS Ambulantversicherung myFlex Premium Helsana COMPLETA Result
Patient legal protection per case CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable
Legal protection abroad per case CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 50’000Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 7 equal

All products in “Legal protection” compared

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

An unexpected error has occurred. Reload