CSS Ambulantversicherung myFlex Premium vs. KPT Pulse Pulse Top: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and KPT Pulse Pulse Top in 9 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 Top on 8; both are equal on 4.
- CSS Ambulantversicherung myFlex Premium
- KPT Pulse Pulse Top
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Alternative medicine
Medicines and medical aids
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | 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 Top, 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 Top, 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 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
Glasses and contact lenses
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | Result |
|---|---|---|---|
| Contribution for adults | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | CHF 250Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | CSS Ambulantversicherung myFlex 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 Top, edition 2027, p. 1 | CSS Ambulantversicherung myFlex Premium better |
| Laser eye surgery | CHF 300Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 Top | 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 300Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | 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 Top, edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 4 | not comparable |
Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | 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 250Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Top, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | 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 Top 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 Top, 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 Top, edition 2027, p. 1 | not comparable |
Legal protection
| Feature | CSS Ambulantversicherung myFlex Premium | KPT Pulse Pulse Top | 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 Top, edition 2027, p. 4 | KPT Pulse Pulse Top 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.