Home Supplementary insurance at a glance CSS Spitalversicherung myFlex Balance vs. Helsana HOSPITAL Privat Privat: benefits compared CSS Spitalversicherung myFlex Balance vs. Helsana HOSPITAL Privat Privat: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Balance and Helsana HOSPITAL Privat Privat in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Balance is better on 0 features, Helsana HOSPITAL Privat Privat on 6; both are equal on 7.
Hospital
Feature
CSS Spitalversicherung myFlex Balance
Helsana HOSPITAL Privat Privat
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 equal Ward choice at admission
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 No verified information not comparable Cost share semi-private (percent)
20% Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Cost share private (percent)
35% Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Maximum cost share per year
CHF 2’000 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable Psychiatric clinic: maximum days
90 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 180 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 Helsana HOSPITAL Privat Privat better Rooming-in (per day)
CHF 80 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Extras for outpatient surgery
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Ward
General, semi-private or private ward, chosen by the insured before admission Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 No verified information not comparable Cost share (percent)
No verified information 0% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable Coverage in non-listed hospitals
No verified information Not covered Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 not comparable
All products in “Hospital” compared
Maternity
Feature
CSS Spitalversicherung myFlex Balance
Helsana HOSPITAL Privat Privat
Result Waiting period in months
12 months Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 equal Home birth
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal Birth centre
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal Newborns without health check
Not covered Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 No verified information not comparable
All products in “Maternity” compared
Travel abroad
Feature
CSS Spitalversicherung myFlex Balance
Helsana HOSPITAL Privat Privat
Result Emergency cover cap
Unlimited Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Worldwide validity
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
Not covered Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 Unlimited Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better
All products in “Travel abroad” compared
Cures and recovery
Feature
CSS Spitalversicherung myFlex Balance
Helsana HOSPITAL Privat Privat
Result Spa cure (per day)
CHF 80 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Recovery stay (per day)
CHF 80 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 200 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Privat Privat better Maximum cure days per year
No verified information 21 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 not comparable Transitional care after hospital
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
CSS Spitalversicherung myFlex Balance
Helsana HOSPITAL Privat Privat
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL Privat Privat better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal No-claims bonus
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, 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 Upgrade without a health check
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 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 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 age Source: 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 ward Source: 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 No verified information not comparable
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.