CSS Spitalversicherung myFlex Balance vs. ÖKK ÖKK SPITAL SPITAL GLOBAL: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Balance and ÖKK ÖKK SPITAL SPITAL GLOBAL 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, ÖKK ÖKK SPITAL SPITAL GLOBAL on 1; both are equal on 9.
- CSS Spitalversicherung myFlex Balance
- ÖKK ÖKK SPITAL SPITAL GLOBAL
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Hospital
| Feature | CSS Spitalversicherung myFlex Balance | ÖKK ÖKK SPITAL SPITAL GLOBAL | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | equal |
| Ward choice at admission | YesSource: 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 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 90Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | 90Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | equal |
| Rooming-in (per day) | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Extras for outpatient surgery | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Ward | General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | Private ward worldwide (single room)Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | not comparable |
| Allowance for staying in a lower ward (per day) | No verified information | CHF 400Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 | not comparable |
Maternity
| Feature | CSS Spitalversicherung myFlex Balance | ÖKK ÖKK SPITAL SPITAL GLOBAL | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | 12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 | equal |
| 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 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 | equal |
| Newborns without health check | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
Travel abroad
| Feature | CSS Spitalversicherung myFlex Balance | ÖKK ÖKK SPITAL SPITAL GLOBAL | Result |
|---|---|---|---|
| Emergency cover cap | UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | UnlimitedSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
| Worldwide validity | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | YesSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | equal |
| Planned treatment abroad | Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 | UnlimitedSource: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | ÖKK ÖKK SPITAL SPITAL GLOBAL better |
Cures and recovery
| Feature | CSS Spitalversicherung myFlex Balance | ÖKK ÖKK SPITAL SPITAL GLOBAL | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Recovery stay (per day) | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Maximum cure days per year | No verified information | 60Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Balance | ÖKK ÖKK SPITAL SPITAL GLOBAL | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 | YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 | equal |
| 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 | No verified information | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.