CSS Ambulantversicherung myFlex Premium vs. KPT Pulse Pulse Eco: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and KPT Pulse Pulse Eco in 5 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 3 features, KPT Pulse Pulse Eco on 4; both are equal on 4.
- CSS Ambulantversicherung myFlex Premium
- KPT Pulse Pulse Eco
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Medicines and medical aids
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Medicines outside the SL (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | 90%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | equal |
| Medicines outside the SL: maximum | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | CHF 50’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
| Medical aids (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Medical aids: annual cap | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CHF 150Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
Prevention
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | KPT Pulse Pulse Eco better |
| Vaccinations: annual cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 200Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
| Gynaecological screening (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | KPT Pulse Pulse Eco better |
Travel abroad
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Eco | 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 | No verified information | not comparable |
| 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 |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 2 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 2 | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Pulse Pulse Eco better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | equal |
| 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 are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, 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 |
| Prerequisite | No verified information | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | not comparable |
Legal protection
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Patient legal protection per case | CHF 250’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 300’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 3 | KPT Pulse Pulse Eco better |
| Legal protection abroad per case | CHF 50’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.