CSS Spitalversicherung myFlex Premium vs. Helsana HOSPITAL FLEX Flex 2: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and Helsana HOSPITAL FLEX Flex 2 in 4 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 5 features, Helsana HOSPITAL FLEX Flex 2 on 1; both are equal on 6.
- CSS Spitalversicherung myFlex Premium
- Helsana HOSPITAL FLEX Flex 2
- Compare with other products
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Hospital
Maternity
| Feature | CSS Spitalversicherung myFlex Premium | Helsana HOSPITAL FLEX Flex 2 | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3 | 12 monthsSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 1 | 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 | Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
Cures and recovery
| Feature | CSS Spitalversicherung myFlex Premium | Helsana HOSPITAL FLEX Flex 2 | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 | CSS Spitalversicherung myFlex Premium better |
| Recovery stay (per day) | CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | Not coveredSource: 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 coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 3 | not comparable |
| Transitional care after hospital | No verified information | Not coveredSource: ZVB HOSPITAL FLEX, Ausgabe 1. Januar 2025, edition 2027, p. 2 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Premium | Helsana HOSPITAL FLEX Flex 2 | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | Helsana HOSPITAL FLEX Flex 2 better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2 | 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 |
| 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 | 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 |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.