CSS Spitalversicherung myFlex Balance vs. KPT Pulse Pulse Premium: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Balance and KPT Pulse Pulse Premium in 7 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Balance is better on 1 features, KPT Pulse Pulse Premium on 6; both are equal on 3.
- CSS Spitalversicherung myFlex Balance
- KPT Pulse Pulse Premium
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Alternative medicine
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Coverage (percent) | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | 75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | KPT Pulse Pulse Premium better |
| Annual cap | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | CHF 4’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | KPT Pulse Pulse Premium better |
| Natural remedies (percent) | No verified information | 75%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
| Natural remedies: annual cap | No verified information | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
| Therapist requirements | No verified information | Federally certified doctor with Fachausweis, or therapist recognised by EMR or ASCA for the treatment; methods must be on KPT listSource: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | not comparable |
Prevention
Fitness
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Annual contribution | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 600Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | KPT Pulse Pulse Premium better |
Maternity
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | No verified information | not comparable |
| Home birth | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | No verified information | not comparable |
| Birth centre | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | No verified information | not comparable |
| Newborns without health check | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
| Birth preparation amount | No verified information | CHF 450Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Travel abroad
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Emergency cover cap | UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Worldwide validity | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
| Planned treatment abroad | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 4 | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Trips to treatments | CHF 1’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | CHF 500Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 3 | CSS Spitalversicherung myFlex Balance better |
Contract terms
| Feature | CSS Spitalversicherung myFlex Balance | KPT Pulse Pulse Premium | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Pulse Pulse Premium better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | 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 are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 5 | 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 | No verified information | not comparable |
| Prerequisite | No verified information | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Premium, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.