Home Supplementary insurance at a glance CSS Spitalversicherung myFlex Premium vs. Helsana HOSPITAL FLEX Flex 1: benefits compared CSS Spitalversicherung myFlex Premium vs. Helsana HOSPITAL FLEX Flex 1: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and Helsana HOSPITAL FLEX Flex 1 in 5 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 8 features, Helsana HOSPITAL FLEX Flex 1 on 1; both are equal on 5.
Hospital
Feature
CSS Spitalversicherung myFlex Premium
Helsana HOSPITAL FLEX Flex 1
Result Free hospital choice across Switzerland
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 Yes Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 equal Ward choice at admission
Yes Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 Yes Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 equal Cost share semi-private (percent)
0% Source: Leistungsuebersicht myFlex, edition 2027, p. 2 35% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better Cost share private (percent)
35% Source: Leistungsuebersicht myFlex, edition 2027, p. 2 50% Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better Maximum cost share per year
CHF 2’000 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Psychiatric clinic: maximum days
180 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 60 Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better Rooming-in (per day)
CHF 160 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 50 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better Extras for outpatient surgery
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 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 Ward chosen case by case: general, semi-private or private ward throughout Switzerland Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 not comparable
All products in “Hospital” compared
Maternity
Feature
CSS Spitalversicherung myFlex Premium
Helsana HOSPITAL FLEX Flex 1
Result Waiting period in months
12 months Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 12 months Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 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 No verified information not comparable Newborns without health check
Not covered 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 Premium
Helsana HOSPITAL FLEX Flex 1
Result Emergency cover cap
Unlimited Source: Leistungsuebersicht myFlex, edition 2027, p. 2 CHF 500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better Worldwide validity
Yes Source: Leistungsuebersicht myFlex, edition 2027, p. 2 No verified information not comparable Planned treatment abroad
CHF 500’000 Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 CHF 500 Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 2 CSS Spitalversicherung myFlex Premium better
All products in “Travel abroad” compared
Cures and recovery
Feature
CSS Spitalversicherung myFlex Premium
Helsana HOSPITAL FLEX Flex 1
Result Spa cure (per day)
CHF 160 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 CSS Spitalversicherung myFlex Premium better Recovery stay (per day)
CHF 160 Source: Leistungsuebersicht myFlex, edition 2027, p. 2 Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 CSS Spitalversicherung myFlex Premium better Maximum cure days per year
No verified information Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 not comparable Transitional care after hospital
No verified information Not covered Source: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2 not comparable
All products in “Cures and recovery” compared
Contract terms
Feature
CSS Spitalversicherung myFlex Premium
Helsana HOSPITAL FLEX Flex 1
Result Minimum contract duration in years
3 Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 1 Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 Helsana HOSPITAL FLEX Flex 1 better Cancellation notice in months
3 months Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 3 months Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal Insurer does not cancel after a claim
Yes Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 Yes Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 equal 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 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 Source: 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
All products in “Contract terms” compared
Information only, not advice, no guarantee. The insurers' own documents are authoritative.