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CSS Spitalversicherung myFlex Economy vs. Helsana SANA: benefits compared

Direct comparison of CSS Spitalversicherung myFlex Economy and Helsana SANA in 5 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Economy is better on 1 features, Helsana SANA on 4; both are equal on 3.

Alternative medicine

Feature CSS Spitalversicherung myFlex Economy Helsana SANA Result
Coverage (percent) Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 Helsana SANA better
Annual cap Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable

All products in “Alternative medicine” compared

Prevention

Feature CSS Spitalversicherung myFlex Economy Helsana SANA Result
Coverage (percent) 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 Helsana SANA better
Annual cap CHF 300Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 Helsana SANA better
Vaccinations (percent) No verified information 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 not comparable

All products in “Prevention” compared

Fitness

Feature CSS Spitalversicherung myFlex Economy Helsana SANA Result
Annual contribution CHF 300Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 200Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 CSS Spitalversicherung myFlex Economy better
Contribution (percent of cost) No verified information 75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2 not comparable

All products in “Fitness” compared

Travel abroad

Feature CSS Spitalversicherung myFlex Economy Helsana SANA 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 YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1 equal
Planned treatment abroad Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable

All products in “Travel abroad” compared

Contract terms

Feature CSS Spitalversicherung myFlex Economy Helsana SANA Result
Minimum contract duration in years 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana SANA better
Cancellation notice in months 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal
Insurer does not cancel after a claim YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 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 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 Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3 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 Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4 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 Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1 not comparable

All products in “Contract terms” compared

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

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