Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Premium vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared CSS Ambulantversicherung myFlex Premium vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and Helsana HOSPITAL Halbprivat Halbprivat in 4 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 1 features, Helsana HOSPITAL Halbprivat Halbprivat on 1; both are equal on 6.
Maternity
Feature
CSS Ambulantversicherung myFlex Premium
Helsana HOSPITAL Halbprivat Halbprivat
Result Waiting period in months
12 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 equal 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 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 equal Newborns without health check
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Home birth
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 not comparable
All products in “Maternity” compared
Travel abroad
Feature
CSS Ambulantversicherung myFlex Premium
Helsana HOSPITAL Halbprivat Halbprivat
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 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
CHF 250’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 CHF 1’500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 CSS Ambulantversicherung myFlex Premium better Visit trip for a close relative
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable
All products in “Travel abroad” compared
Home help
Feature
CSS Ambulantversicherung myFlex Premium
Helsana HOSPITAL Halbprivat Halbprivat
Result Daily cap
CHF 100 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal Annual cap
CHF 4’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Home nursing (per day)
CHF 100 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Maximum number of days
No verified information 30 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable
All products in “Home help” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Premium
Helsana HOSPITAL Halbprivat Halbprivat
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), 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 Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), 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 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; 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
Information only, not advice, no guarantee. The insurers' own documents are authoritative.