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CSS Spitalversicherung myFlex Balance vs. CSS Spitalversicherung myFlex Premium: benefits compared

Direct comparison of CSS Spitalversicherung myFlex Balance and CSS Spitalversicherung myFlex Premium in 9 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Balance is better on 0 features, CSS Spitalversicherung myFlex Premium on 9; both are equal on 21.

Hospital

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Free hospital choice across Switzerland YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Ward choice at admission YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 equal
Cost share semi-private (percent) 20%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 0%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better
Cost share private (percent) 35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Maximum cost share per year CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 CHF 2’000Source: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Psychiatric clinic: maximum days 90Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 180Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 CSS Spitalversicherung myFlex Premium better
Rooming-in (per day) CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better
Extras for outpatient surgery YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Ward General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 not comparable

All products in “Hospital” compared

Alternative medicine

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Coverage (percent) Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 equal
Annual cap Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 equal

All products in “Alternative medicine” compared

Prevention

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Coverage (percent) 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Annual cap CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better

All products in “Prevention” compared

Fitness

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Annual contribution CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better

All products in “Fitness” compared

Maternity

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Waiting period in months 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 equal
Home birth YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 equal
Birth centre YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 equal
Newborns without health check Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 equal

All products in “Maternity” compared

Travel abroad

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Emergency cover cap UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Worldwide validity YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 equal
Planned treatment abroad Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 CHF 500’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better

All products in “Travel abroad” compared

Rescue and transport

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Trips to treatments CHF 1’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 CSS Spitalversicherung myFlex Premium better

All products in “Rescue and transport” compared

Cures and recovery

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Spa cure (per day) CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better
Recovery stay (per day) CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better

All products in “Cures and recovery” compared

Contract terms

Feature CSS Spitalversicherung myFlex Balance CSS Spitalversicherung myFlex Premium Result
Minimum contract duration in years 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Cancellation notice in months 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Insurer does not cancel after a claim YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
No-claims bonus YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 equal
Family discount YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 equal
Upgrade without a health check YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable
Suspension possible YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 equal
Accident cover included YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 equal
Premium and age Premiums may be graded by age groups and adjusted to the insured's ageSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Premiums may be graded by age groups and adjusted to the insured's ageSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 not comparable
Notable exclusions Only acute stays covered; chronic illness, nursing homes and long-term psychiatric day/night clinic stays excluded; no complementary medicine; no hospitals without CSS-recognised wardSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 Only acute stays covered; chronic illness, nursing homes and long-term psychiatric day/night clinic stays excluded; no complementary medicineSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 not comparable
Other notable benefits Inpatient sterilisation covered up to CHF 4000 per case; newborn care CHF 100/day on readmission of mother.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 Inpatient sterilisation up to CHF 10000 per case; illnesses and accidents from risky ventures (Wagnisse) insured up to CHF 500000 per year.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.

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