CSS Spitalversicherung myFlex Economy vs. SWICA Hospita Hospita Allgemein: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Economy and SWICA Hospita Hospita Allgemein in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Economy is better on 2 features, SWICA Hospita Hospita Allgemein on 2; both are equal on 4.
- CSS Spitalversicherung myFlex Economy
- SWICA Hospita Hospita Allgemein
- Compare with other products
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Hospital
| Feature | CSS Spitalversicherung myFlex Economy | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | equal |
| Ward choice at admission | YesSource: 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 8’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 60Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | No verified information | not comparable |
| Rooming-in (per day) | Not coveredSource: 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 admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | General ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | not comparable |
| Acute hospital: maximum days | No verified information | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | not comparable |
Maternity
| Feature | CSS Spitalversicherung myFlex Economy | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | equal |
| Home birth | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4 | No verified information | not comparable |
| Birth centre | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | No verified information | not comparable |
| Newborns without health check | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Economy | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Trips to treatments | CHF 250Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | not comparable |
| Transport cost cap | No verified information | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Cures and recovery
| Feature | CSS Spitalversicherung myFlex Economy | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | SWICA Hospita Hospita Allgemein better |
| Recovery stay (per day) | CHF 20Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | CSS Spitalversicherung myFlex Economy better |
| Maximum cure days per year | No verified information | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Economy | SWICA Hospita Hospita Allgemein | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | SWICA Hospita Hospita Allgemein better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), 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 | No verified information | not comparable |
| Upgrade without a health check | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6 | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | CSS Spitalversicherung myFlex Economy better |
| 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 | Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | 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 | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | 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 | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.