CSS Spitalversicherung myFlex Economy vs. Visana Ambulant VIVA Ambulant VIVA I: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Economy and Visana Ambulant VIVA Ambulant VIVA I in 3 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Economy is better on 0 features, Visana Ambulant VIVA Ambulant VIVA I on 0; both are equal on 2.
- CSS Spitalversicherung myFlex Economy
- Visana Ambulant VIVA Ambulant VIVA I
- Compare with other products
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Prevention
| Feature | CSS Spitalversicherung myFlex Economy | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Annual cap | CHF 300Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Vaccinations (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 100Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Health check-up | No verified information | CHF 200Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Economy | Visana Ambulant VIVA Ambulant VIVA I | 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 25’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
| Transport cost cap | No verified information | CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Economy | Visana Ambulant VIVA Ambulant VIVA I | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | equal |
| 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 by age groups 0-18, 19-25, 26-30, then 5-year bands up to the last group at 86; change on 1 January usually raises the premium.Source: AVB Krankenzusatzversicherungen VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 4 | 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 | Only supplements the basic insurance; services without VIVA doctor's referral are reimbursed at only 60%; no benefits if travelling abroad for treatment.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 3 | 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 | Includes Vacanza travel insurance for eight weeks per trip (worldwide, with immediate assistance service).Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Only with basic insurance at the same insurer | No verified information | YesSource: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
| Prerequisite | No verified information | Requires the mandatory basic insurance VIVA-Gesundheitsplan.Source: ZB Krankenzusatzversicherung Ambulant VIVA (VVG), gültig ab 01.03.2026, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.