CSS Ambulantversicherung myFlex Premium vs. ÖKK ÖKK SPITAL PRIVAT UNFALL: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and ÖKK ÖKK SPITAL PRIVAT UNFALL in 2 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 3 features, ÖKK ÖKK SPITAL PRIVAT UNFALL on 0; both are equal on 3.
- CSS Ambulantversicherung myFlex Premium
- ÖKK ÖKK SPITAL PRIVAT UNFALL
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Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Premium | ÖKK ÖKK SPITAL PRIVAT UNFALL | Result |
|---|---|---|---|
| Rescue cost cap | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Transport cost cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 50’000Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| 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 300Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | CSS Ambulantversicherung myFlex Premium better |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | ÖKK ÖKK SPITAL PRIVAT UNFALL | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | 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 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9 | equal |
| 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 | 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 benefits for psychiatric treatment; only accident-related; cover in Switzerland, worldwide only in emergencies; non-recognised providers (negative list) not covered; KVG cost sharing and hospital daily contribution not insured.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 2 | 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 | Search actions up to CHF 10'000 per year; aids after accident hospital stay up to CHF 30'000 per year; public transport costs 90% up to CHF 300; private consultations with non-KVG hospital doctors at recognised tariff.Source: AVB ÖKK SPITAL PRIVAT UNFALL, Ausgabe 1.1.2026, edition 2027, p. 4 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.