CSS Spitalversicherung myFlex Economy vs. EGK EGK-SUN EGK-SUN 1 (Privat): benefits compared

Direct comparison of CSS Spitalversicherung myFlex Economy and EGK EGK-SUN EGK-SUN 1 (Privat) in 6 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Economy is better on 1 features, EGK EGK-SUN EGK-SUN 1 (Privat) on 4; both are equal on 6.

Hospital

Feature	CSS Spitalversicherung myFlex Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	Result
Free hospital choice across Switzerland	YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2	YesSource: Leistungsübersicht EGK-SUN, edition 2027, p. 2	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)	40%Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	No verified information	not comparable
Cost share private (percent)	70%Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	No verified information	not comparable
Maximum cost share per year	CHF 8’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	No verified information	not comparable
Psychiatric clinic: maximum days	60Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3	90Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	EGK EGK-SUN EGK-SUN 1 (Privat) better
Rooming-in (per day)	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4	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 (1-bed room) in hospitalSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	not comparable

All products in “Hospital” compared

Maternity

Feature	CSS Spitalversicherung myFlex Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	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	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	equal
Newborns without health check	YesSource: 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 Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	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	UnlimitedSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	not comparable

All products in “Travel abroad” compared

Rescue and transport

Feature	CSS Spitalversicherung myFlex Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	Result
Trips to treatments	CHF 250Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5	No verified information	not comparable
Transport cost cap	No verified information	CHF 100’000Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	not comparable

All products in “Rescue and transport” compared

Cures and recovery

Feature	CSS Spitalversicherung myFlex Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	Result
Spa cure (per day)	CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 100Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	EGK EGK-SUN EGK-SUN 1 (Privat) better
Recovery stay (per day)	CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 100Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	EGK EGK-SUN EGK-SUN 1 (Privat) better
Maximum cure days per year	No verified information	21Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	not comparable

All products in “Cures and recovery” compared

Contract terms

Feature	CSS Spitalversicherung myFlex Economy	EGK EGK-SUN EGK-SUN 1 (Privat)	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-SUN EGK-SUN 1 (Privat) 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	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9	equal
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: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10	equal
Accident cover included	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2	Not coveredSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	CSS Spitalversicherung myFlex Economy better
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 500 per case.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4	No verified information	not comparable
Maximum entry age	No verified information	60Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.