CSS Ambulantversicherung myFlex Premium vs. Visana Ambulant VIVA Ambulant VIVA I: benefits compared
Direct comparison of CSS Ambulantversicherung myFlex Premium and Visana Ambulant VIVA Ambulant VIVA I in 4 categories. All values come from the policy terms and are backed by their source.
CSS Ambulantversicherung myFlex Premium is better on 4 features, Visana Ambulant VIVA Ambulant VIVA I on 0; both are equal on 4.
- CSS Ambulantversicherung myFlex Premium
- Visana Ambulant VIVA Ambulant VIVA I
- Compare with other products
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Medicines and medical aids
| Feature | CSS Ambulantversicherung myFlex Premium | Visana Ambulant VIVA Ambulant VIVA I | 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 | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 2 | CHF 1’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 | No verified information | not comparable |
Prevention
| Feature | CSS Ambulantversicherung myFlex Premium | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Vaccinations (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| Vaccinations: annual cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Gynaecological screening (percent) | 90%Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 4 | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | equal |
| Health check-up | No verified information | CHF 200Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Rescue and transport
| Feature | CSS Ambulantversicherung myFlex Premium | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Rescue cost cap | CHF 100’000Source: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | CSS Ambulantversicherung myFlex Premium better |
| Transport cost cap | UnlimitedSource: ZB Ambulantversicherung myFlex, Ausgabe 01.2026, edition 2027, p. 5 | CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, 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 | No verified information | not comparable |
Contract terms
| Feature | CSS Ambulantversicherung myFlex Premium | Visana Ambulant VIVA Ambulant VIVA I | 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 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | 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 | Premiums by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, 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 | Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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 | Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.