CSS Spitalversicherung myFlex Economy vs. ÖKK ÖKK ELTERN: benefits compared

Direct comparison of CSS Spitalversicherung myFlex Economy and ÖKK ÖKK ELTERN in 2 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Economy is better on 2 features, ÖKK ÖKK ELTERN on 0; both are equal on 6.

Maternity

Feature	CSS Spitalversicherung myFlex Economy	ÖKK ÖKK ELTERN	Result
Waiting period in months	12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3	12 monthsSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7	equal
Home birth	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4	Not coveredSource: AVB ÖKK ELTERN 2026, edition 2027, p. 3	CSS Spitalversicherung myFlex Economy better
Birth centre	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3	YesSource: AVB ÖKK ELTERN 2026, edition 2027, p. 3	equal
Newborns without health check	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2	No verified information	not comparable
Birth preparation amount	No verified information	CHF 200Source: AVB ÖKK ELTERN 2026, edition 2027, p. 2	not comparable
Breastfeeding allowance	No verified information	CHF 150Source: AVB ÖKK ELTERN 2026, edition 2027, p. 2	not comparable

All products in “Maternity” compared

Contract terms

Feature	CSS Spitalversicherung myFlex Economy	ÖKK ÖKK ELTERN	Result
Minimum contract duration in years	3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	3Source: AVB ÖKK ELTERN 2026, edition 2027, p. 2	equal
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6	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: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 9	equal
Upgrade without a health check	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	Not coveredSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 4	CSS Spitalversicherung myFlex Economy better
Suspension possible	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3	YesSource: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5	equal
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	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	Family room costs up to CHF 200/day for birth in a list/contract hospitalSource: AVB ÖKK ELTERN 2026, edition 2027, p. 3	not comparable
Prerequisite	No verified information	Requires the base module ÖKK START (and KVG basic insurance as supplement)Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 4	not comparable

All products in “Contract terms” compared

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