CSS Spitalversicherung myFlex Premium vs. Helsana HOSPITAL Privat Privat: benefits compared

Direct comparison of CSS Spitalversicherung myFlex Premium and Helsana HOSPITAL Privat Privat in 5 categories. All values come from the policy terms and are backed by their source.

CSS Spitalversicherung myFlex Premium is better on 0 features, Helsana HOSPITAL Privat Privat on 5; both are equal on 8.

Hospital

Feature	CSS Spitalversicherung myFlex Premium	Helsana HOSPITAL Privat Privat	Result
Free hospital choice across Switzerland	YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2	YesSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, 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)	0%Source: Leistungsuebersicht myFlex, edition 2027, p. 2	No verified information	not comparable
Cost share private (percent)	35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2	No verified information	not comparable
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	180Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2	equal
Rooming-in (per day)	CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 200Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	Helsana HOSPITAL Privat Privat better
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	No verified information	not comparable
Cost share (percent)	No verified information	0%Source: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	not comparable
Coverage in non-listed hospitals	No verified information	Not coveredSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 1	not comparable

All products in “Hospital” compared

Maternity

Feature	CSS Spitalversicherung myFlex Premium	Helsana HOSPITAL Privat Privat	Result
Waiting period in months	12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3	12 monthsSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	equal
Home birth	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	equal
Birth centre	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	equal
Newborns without health check	Not coveredSource: 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 Privat Privat	Result
Emergency cover cap	UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2	No verified information	not comparable
Worldwide validity	YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	equal
Planned treatment abroad	CHF 500’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2	UnlimitedSource: Leistungsuebersicht Spitalzusatzversicherungen 2026/27, edition 2027, p. 3	Helsana HOSPITAL Privat Privat better

All products in “Travel abroad” compared

Cures and recovery

Feature	CSS Spitalversicherung myFlex Premium	Helsana HOSPITAL Privat Privat	Result
Spa cure (per day)	CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 200Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	Helsana HOSPITAL Privat Privat better
Recovery stay (per day)	CHF 160Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 200Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	Helsana HOSPITAL Privat Privat better
Maximum cure days per year	No verified information	21Source: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 3	not comparable
Transitional care after hospital	No verified information	YesSource: ZVB HOSPITAL Halbprivat und HOSPITAL Privat, Ausgabe 1. September 2018, edition 2027, p. 2	not comparable

All products in “Cures and recovery” compared

Contract terms

Feature	CSS Spitalversicherung myFlex Premium	Helsana HOSPITAL Privat Privat	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 Privat Privat 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

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.