Home Supplementary insurance at a glance CSS Spitalversicherung myFlex Economy vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared CSS Spitalversicherung myFlex Economy vs. ÖKK ÖKK SPITAL SPITAL PRIVAT: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Economy and ÖKK ÖKK SPITAL SPITAL PRIVAT 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, ÖKK ÖKK SPITAL SPITAL PRIVAT on 1; both are equal on 7.
Hospital
Feature
CSS Spitalversicherung myFlex Economy
ÖKK ÖKK SPITAL SPITAL PRIVAT
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 equal 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: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 ÖKK ÖKK SPITAL SPITAL PRIVAT better Rooming-in (per day)
Not covered Source: 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 admission Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 Private ward in Switzerland (single room) Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 not comparable Allowance for staying in a lower ward (per day)
No verified information CHF 400 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 5 not comparable
All products in “Hospital” compared
Maternity
Feature
CSS Spitalversicherung myFlex Economy
ÖKK ÖKK SPITAL SPITAL PRIVAT
Result Waiting period in months
12 months Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 12 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 7 equal Home birth
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 No verified information not comparable Birth centre
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 Yes Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 3 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
ÖKK ÖKK SPITAL SPITAL PRIVAT
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 ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 equal Planned treatment abroad
Not covered Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5 No verified information not comparable
All products in “Travel abroad” compared
Cures and recovery
Feature
CSS Spitalversicherung myFlex Economy
ÖKK ÖKK SPITAL SPITAL PRIVAT
Result Spa cure (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Recovery stay (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Maximum cure days per year
No verified information 60 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 4 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
CSS Spitalversicherung myFlex Economy
ÖKK ÖKK SPITAL SPITAL PRIVAT
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 Source: AVB ÖKK SPITAL (FLEX MINI, FLEX, HALBPRIVAT, PRIVAT, GLOBAL), Ausgabe 1.1.2026, edition 2027, p. 2 equal Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 6 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable 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 Yes Source: ÖKK LIVE Gemeinsame Bestimmungen (AVB), Ausgabe 1.1.2023, Stand 2026, edition 2027, p. 5 equal 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.