Home Supplementary insurance at a glance CSS Ambulantversicherung myFlex Premium vs. SWICA Completa Forte: benefits compared CSS Ambulantversicherung myFlex Premium vs. SWICA Completa Forte: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and SWICA Completa Forte 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, SWICA Completa Forte on 5; both are equal on 4.
Outpatient
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
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
Yes Source: 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 5’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 CHF 500 Source: ZB Completa Forte (VVG), edition 2027, p. 5 CSS Ambulantversicherung myFlex Premium better Ear correction for children
CHF 5’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 1’500 Source: ZB Completa Forte (VVG), edition 2027, p. 6 CSS Ambulantversicherung myFlex Premium better
All products in “Outpatient” compared
Alternative medicine
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Coverage (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 90% Source: ZB Completa Forte (VVG), edition 2027, p. 4 SWICA Completa Forte better Annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Maximum per session
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 CHF 120 Source: ZB Completa Forte (VVG), edition 2027, p. 4 SWICA Completa Forte better Natural remedies (percent)
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Natural remedies: annual cap
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 6 No verified information not comparable Therapist requirements
No verified information Treatment must be by a doctor or therapist recognised by SWICA; SWICA keeps lists of recognised methods and practitioners Source: ZB Completa Forte (VVG), edition 2027, p. 4 not comparable
All products in “Alternative medicine” compared
Medicines and medical aids
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Medicines outside the SL (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medicines outside the SL: maximum
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Medical aids (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 90% Source: ZB Completa Forte (VVG), edition 2027, p. 6 equal Medical aids: annual cap
CHF 2’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 200 Source: ZB Completa Forte (VVG), edition 2027, p. 6 CSS Ambulantversicherung myFlex Premium better
All products in “Medicines and medical aids” compared
Glasses and contact lenses
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Contribution for adults
CHF 300 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 900 Source: ZB Completa Forte (VVG), edition 2027, p. 5 SWICA Completa Forte better Period for adults in months
12 months Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 36 months Source: ZB Completa Forte (VVG), edition 2027, p. 5 CSS Ambulantversicherung myFlex Premium better Laser eye surgery
CHF 300 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Contribution for children
CHF 300 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Children's rule applies up to age
18 Source: 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 year Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable
All products in “Glasses and contact lenses” compared
Dental care
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Coverage (percent)
50% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 50% Source: ZB Completa Forte (VVG), edition 2027, p. 6 equal Annual cap
CHF 2’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 CHF 100 Source: ZB Completa Forte (VVG), edition 2027, p. 6 CSS Ambulantversicherung myFlex Premium better Orthodontics for children
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Benefits up to age
18 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Orthodontics: maximum amount
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Orthodontics up to age
20 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 25 Source: ZB Completa Forte (VVG), edition 2027, p. 6 SWICA Completa Forte better Wisdom teeth removal
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Dental treatment abroad
No verified information Yes Source: ZB Completa Forte (VVG), edition 2027, p. 6 not comparable
All products in “Dental care” compared
Prevention
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Vaccinations (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Vaccinations: annual cap
Unlimited Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Gynaecological screening (percent)
90% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Coverage (percent)
No verified information 90% Source: ZB Completa Forte (VVG), edition 2027, p. 6 not comparable Annual cap
No verified information CHF 500 Source: ZB Completa Forte (VVG), edition 2027, p. 6 not comparable
All products in “Prevention” compared
Maternity
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Waiting period in months
12 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable Breastfeeding allowance
CHF 200 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 200 Source: ZB Completa Forte (VVG), edition 2027, p. 5 equal Birth centre
Yes Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Newborns without health check
Not covered Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 No verified information not comparable
All products in “Maternity” compared
Home help
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Daily cap
CHF 100 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 CHF 30 Source: ZB Completa Forte (VVG), edition 2027, p. 5 CSS Ambulantversicherung myFlex Premium better 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 60 Source: ZB Completa Forte (VVG), edition 2027, p. 5 not comparable
All products in “Home help” compared
Psychotherapy
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Coverage (percent)
75% Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 90% Source: ZB Completa Forte (VVG), edition 2027, p. 5 SWICA Completa Forte better Annual cap
CHF 3’000 Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Therapist requirements
Psychotherapist must be recognised by CSS Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 No verified information not comparable Maximum sessions per year
No verified information 60 Source: ZB Completa Forte (VVG), edition 2027, p. 5 not comparable
All products in “Psychotherapy” compared
Contract terms
Feature
CSS Ambulantversicherung myFlex Premium
SWICA Completa Forte
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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 Upgrade without a health check
No verified information Not covered Source: ZB Completa Forte (VVG), edition 2027, p. 8 not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.