CSS Ambulantversicherung myFlex Premium vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and KPT Pulse Pulse Premium in 10 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 6 features, KPT Pulse Pulse Premium on 10; both are equal on 4.
- CSS Ambulantversicherung myFlex Premium
- KPT Pulse Pulse Premium
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Outpatient
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | 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 2’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | 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 |
Alternative medicine
Medicines and medical aids
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | 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 Premium, edition 2027, p. 2 | 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 Premium, edition 2027, p. 2 | 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 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
Glasses and contact lenses
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Contribution for adults | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | KPT Pulse Pulse Premium better |
| Period for adults in months | 12 monthsSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | 36 monthsSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
| Laser eye surgery | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | KPT Pulse Pulse Premium better |
| Contribution for children | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Children's rule applies up to age | 18Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Age limits | Children up to end of year of 18th birthday: CHF 300 per insured event; adults: CHF 300 per calendar yearSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
Prevention
Maternity
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
| 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 | No verified information | not comparable |
| Newborns without health check | Not coveredSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | 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 Premium, edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Rescue cost cap | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Transport cost cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Repatriation to Switzerland | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Trips to treatments | CHF 2’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | 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 Premium 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 Premium, edition 2027, p. 5 | 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 Premium, edition 2027, p. 1 | not comparable |
Legal protection
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Premium | 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 Premium, edition 2027, p. 4 | KPT Pulse Pulse Premium 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.