CSS Ambulantversicherung myFlex Premium vs. SWICA Praevita: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and SWICA Praevita in 2 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 1 features, SWICA Praevita on 0; both are equal on 2.
- CSS Ambulantversicherung myFlex Premium
- SWICA Praevita
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Prevention
| Feature | CSS Ambulantversicherung myFlex Premium | SWICA Praevita | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 90%Source: ZB Praevita (VVG), edition 2027, p. 3 | equal |
| Vaccinations: annual cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 200Source: ZB Praevita (VVG), edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| 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 | 50%Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Annual cap | No verified information | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Health check-up | No verified information | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | SWICA Praevita | 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: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 | No verified information | not comparable |
| 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 | 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 | Age-based (Lebensalter) tariff; premiums adjust with age groups 0–18, 19–25, 26–30 and then five-year steps up to 71+.Source: ZB Praevita (VVG), edition 2027, p. 4 | 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 | Requires an existing Completa Top or Completa Forte supplementary insurance with SWICA; Praevita ends when it ends.Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.