CSS Spitalversicherung myFlex Balance vs. EGK EGK-ASSISTANCE: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Balance and EGK EGK-ASSISTANCE in 3 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Balance is better on 1 features, EGK EGK-ASSISTANCE on 1; both are equal on 3.
- CSS Spitalversicherung myFlex Balance
- EGK EGK-ASSISTANCE
- Compare with other products
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Travel abroad
| Feature | CSS Spitalversicherung myFlex Balance | EGK EGK-ASSISTANCE | Result |
|---|---|---|---|
| Emergency cover cap | UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | Not coveredSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 6 | CSS Spitalversicherung myFlex Balance better |
| Worldwide validity | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | equal |
| Planned treatment abroad | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| 24h emergency line and assistance | No verified information | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | not comparable |
| Visit trip for a close relative | No verified information | YesSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Balance | EGK EGK-ASSISTANCE | Result |
|---|---|---|---|
| Trips to treatments | CHF 1’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 30’000Source: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 4 | not comparable |
| Transport cost cap | No verified information | UnlimitedSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | not comparable |
| Repatriation to Switzerland | No verified information | UnlimitedSource: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Balance | EGK EGK-ASSISTANCE | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | EGK EGK-ASSISTANCE better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | equal |
| No-claims bonus | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, 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 |
| 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 | No verified information | not comparable |
| Accident cover included | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
| 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 | No verified information | 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 | No verified information | 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 | Child-minding service up to 30 hours per policy and calendar year in Switzerland; hospital cost advance up to CHF 5000 abroad; extra costs after document theft up to CHF 2000 per event; unforeseen expenses up to CHF 750 per person.Source: AVB/VVG EGK-ASSISTANCE, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.