Home Supplementary insurance at a glance CSS Spitalversicherung myFlex Economy vs. SWICA Completa Forte: benefits compared CSS Spitalversicherung myFlex Economy vs. SWICA Completa Forte: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Economy and SWICA Completa Forte 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, SWICA Completa Forte on 4; both are equal on 2.
Alternative medicine
Feature
CSS Spitalversicherung myFlex Economy
SWICA Completa Forte
Result Coverage (percent)
Not covered Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 90% Source: ZB Completa Forte (VVG), edition 2027, p. 4 SWICA Completa Forte better Annual cap
Not covered Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 No verified information not comparable Maximum per session
No verified information CHF 120 Source: ZB Completa Forte (VVG), edition 2027, p. 4 not comparable Therapist requirements
No verified information Treatment must be by a doctor or therapist recognised by SWICA; SWICA keeps lists of recognised methods and practitioners Source: ZB Completa Forte (VVG), edition 2027, p. 4 not comparable
All products in “Alternative medicine” compared
Maternity
Feature
CSS Spitalversicherung myFlex Economy
SWICA Completa Forte
Result Waiting period in months
12 months Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 No verified information not comparable 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 No verified information not comparable Newborns without health check
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 No verified information not comparable Breastfeeding allowance
No verified information CHF 200 Source: ZB Completa Forte (VVG), edition 2027, p. 5 not comparable
All products in “Maternity” compared
Cures and recovery
Feature
CSS Spitalversicherung myFlex Economy
SWICA Completa Forte
Result Spa cure (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 30 Source: ZB Completa Forte (VVG), edition 2027, p. 5 SWICA Completa Forte better Recovery stay (per day)
CHF 20 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 20 Source: ZB Completa Forte (VVG), edition 2027, p. 5 equal Maximum cure days per year
No verified information 30 Source: ZB Completa Forte (VVG), edition 2027, p. 5 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
CSS Spitalversicherung myFlex Economy
SWICA Completa Forte
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 No verified information not comparable Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 Not covered Source: ZB Completa Forte (VVG), edition 2027, p. 8 CSS Spitalversicherung myFlex Economy better 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.