CSS Spitalversicherung myFlex Balance vs. SWICA Optima: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Balance and SWICA Optima in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Balance is better on 3 features, SWICA Optima on 2; both are equal on 1.
- CSS Spitalversicherung myFlex Balance
- SWICA Optima
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Alternative medicine
| Feature | CSS Spitalversicherung myFlex Balance | SWICA Optima | Result |
|---|---|---|---|
| Coverage (percent) | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | No verified information | not comparable |
| Annual cap | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | No verified information | not comparable |
| Therapist requirements | No verified information | Treatment must be performed by a doctor or therapist recognised by SWICA (SWICA keeps a directory of recognised providers and a list of recognised methods).Source: ZB Optima (VVG), edition 2027, p. 3 | not comparable |
Prevention
| Feature | CSS Spitalversicherung myFlex Balance | SWICA Optima | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | SWICA Optima better |
| Annual cap | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 300Source: ZB Optima (VVG), edition 2027, p. 4 | CSS Spitalversicherung myFlex Balance better |
| Vaccinations (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Health check-up | No verified information | UnlimitedSource: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Fitness
| Feature | CSS Spitalversicherung myFlex Balance | SWICA Optima | Result |
|---|---|---|---|
| Annual contribution | CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Contribution (percent of cost) | No verified information | 90%Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Cures and recovery
| Feature | CSS Spitalversicherung myFlex Balance | SWICA Optima | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | CSS Spitalversicherung myFlex Balance better |
| Recovery stay (per day) | CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 30Source: ZB Optima (VVG), edition 2027, p. 4 | CSS Spitalversicherung myFlex Balance better |
| Maximum cure days per year | No verified information | 30Source: ZB Optima (VVG), edition 2027, p. 4 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Balance | SWICA Optima | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Optima better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 | 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 | Medicines on the Spezialitätenliste are not paid, nor preventive, cosmetic, weight-loss, sexual-stimulation or non-Swissmedic-registered products.Source: ZB Optima (VVG), edition 2027, p. 4 | 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 | Innovative therapy methods per separate list: 90% up to CHF 3,000 per calendar year. Services of foreign medical providers are also paid abroad.Source: ZB Optima (VVG), edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.