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CSS Spitalversicherung myFlex Economy vs. EGK EGK-SUN EGK-SUN 3 (Allgemein): benefits compared

Direct comparison of CSS Spitalversicherung myFlex Economy and EGK EGK-SUN EGK-SUN 3 (Allgemein) in 5 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Economy is better on 2 features, EGK EGK-SUN EGK-SUN 3 (Allgemein) on 4; both are equal on 7.

Hospital

Feature CSS Spitalversicherung myFlex Economy EGK EGK-SUN EGK-SUN 3 (Allgemein) 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 3 (Allgemein) 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 General ward 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 3 (Allgemein) 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 YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 equal

All products in “Maternity” compared

Rescue and transport

Feature CSS Spitalversicherung myFlex Economy EGK EGK-SUN EGK-SUN 3 (Allgemein) 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 3 (Allgemein) Result
Spa cure (per day) CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 30Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 EGK EGK-SUN EGK-SUN 3 (Allgemein) better
Recovery stay (per day) CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 30Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 EGK EGK-SUN EGK-SUN 3 (Allgemein) 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 3 (Allgemein) 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 3 (Allgemein) 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 Not coveredSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5 CSS Spitalversicherung myFlex Economy better
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.

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