CSS Spitalversicherung myFlex Premium vs. EGK EGK-SUN EGK-SUN-Flex: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and EGK EGK-SUN EGK-SUN-Flex in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 5 features, EGK EGK-SUN EGK-SUN-Flex on 2; both are equal on 7.
- CSS Spitalversicherung myFlex Premium
- EGK EGK-SUN EGK-SUN-Flex
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Hospital
| Feature | CSS Spitalversicherung myFlex Premium | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | YesSource: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | equal |
| Ward choice at admission | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | equal |
| Cost share semi-private (percent) | 0%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | 15%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | CSS Spitalversicherung myFlex Premium better |
| Cost share private (percent) | 35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | 25%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2 | EGK EGK-SUN EGK-SUN-Flex better |
| Maximum cost share per year | CHF 2’000Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Psychiatric clinic: maximum days | 180Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | 90Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | CSS Spitalversicherung myFlex Premium better |
| Rooming-in (per day) | CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Extras for outpatient surgery | YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2 | 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 | Ward class chosen by the insured before the stay (general, semi-private or private)Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | not comparable |
Maternity
| Feature | CSS Spitalversicherung myFlex Premium | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | No verified information | not comparable |
| 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 | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | equal |
| Newborns without health check | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Premium | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Trips to treatments | CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Transport cost cap | No verified information | CHF 100’000Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6 | not comparable |
Cures and recovery
| Feature | CSS Spitalversicherung myFlex Premium | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | CSS Spitalversicherung myFlex Premium better |
| Recovery stay (per day) | CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | CSS Spitalversicherung myFlex Premium better |
| Maximum cure days per year | No verified information | 21Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Premium | EGK EGK-SUN EGK-SUN-Flex | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | EGK EGK-SUN EGK-SUN-Flex better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4 | 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: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9 | equal |
| Suspension possible | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10 | equal |
| Accident cover included | YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | Not coveredSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | CSS Spitalversicherung myFlex Premium better |
| 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 medicineSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Other notable benefits | Inpatient sterilisation up to CHF 10000 per case; illnesses and accidents from risky ventures (Wagnisse) insured up to CHF 500000 per year.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Maximum entry age | No verified information | 60Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3 | not comparable |
| Upgrade without a health check | No verified information | Not coveredSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.