Home Supplementary insurance at a glance CSS Spitalversicherung myFlex Economy vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared CSS Spitalversicherung myFlex Economy vs. Helsana HOSPITAL Halbprivat Halbprivat: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Economy and Helsana HOSPITAL Halbprivat Halbprivat in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Economy is better on 0 features, Helsana HOSPITAL Halbprivat Halbprivat on 6; both are equal on 6.
Hospital
Feature
CSS Spitalversicherung myFlex Economy
Helsana HOSPITAL Halbprivat Halbprivat
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Ward choice at admission
Yes Source: 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 8’000 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable Psychiatric clinic: maximum days
60 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 90 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Rooming-in (per day)
Not covered Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better Ward
General, semi-private or private ward, chosen by the insured before admission Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 No verified information not comparable Cost share (percent)
No verified information 0% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable Coverage in non-listed hospitals
No verified information Not covered Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 not comparable Acute hospital: maximum days
No verified information Unlimited Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Hospital” compared
Maternity
Feature
CSS Spitalversicherung myFlex Economy
Helsana HOSPITAL Halbprivat Halbprivat
Result Waiting period in months
12 months Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 12 months Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 equal Home birth
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 equal Birth centre
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1 equal Newborns without health check
Yes Source: 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
Helsana HOSPITAL Halbprivat Halbprivat
Result Emergency cover cap
Unlimited Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Worldwide validity
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal Planned treatment abroad
Not covered Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 CHF 1’500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better
All products in “Travel abroad” compared
Cures and recovery
Feature
CSS Spitalversicherung myFlex Economy
Helsana HOSPITAL Halbprivat Halbprivat
Result Spa cure (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better Recovery stay (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 100 Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3 Helsana HOSPITAL Halbprivat Halbprivat better Maximum cure days per year
No verified information 21 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3 not comparable Transitional care after hospital
No verified information Yes Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
CSS Spitalversicherung myFlex Economy
Helsana HOSPITAL Halbprivat Halbprivat
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL Halbprivat Halbprivat better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal No-claims bonus
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable Family discount
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7 No verified information not comparable Upgrade without a health check
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable Suspension possible
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Accident cover included
Yes Source: 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 age Source: 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 ward Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.