CSS Spitalversicherung myFlex Premium vs. Helsana SANA: benefits compared

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

CSS Spitalversicherung myFlex Premium is better on 2 features, Helsana SANA on 3; both are equal on 3.

Alternative medicine

Feature	CSS Spitalversicherung myFlex Premium	Helsana SANA	Result
Coverage (percent)	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1	Helsana SANA better
Annual cap	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6	No verified information	not comparable

All products in “Alternative medicine” compared

Prevention

Feature	CSS Spitalversicherung myFlex Premium	Helsana SANA	Result
Coverage (percent)	50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	Helsana SANA better
Annual cap	CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 500Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	CSS Spitalversicherung myFlex Premium better
Vaccinations (percent)	No verified information	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	not comparable

All products in “Prevention” compared

Fitness

Feature	CSS Spitalversicherung myFlex Premium	Helsana SANA	Result
Annual contribution	CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2	CHF 200Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	CSS Spitalversicherung myFlex Premium better
Contribution (percent of cost)	No verified information	75%Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 2	not comparable

All products in “Fitness” compared

Travel abroad

Feature	CSS Spitalversicherung myFlex Premium	Helsana SANA	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	No verified information	not comparable

All products in “Travel abroad” compared

Contract terms

Feature	CSS Spitalversicherung myFlex Premium	Helsana SANA	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 SANA 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	Premiums set by age in 5-year groups up to 91+; over-65s pay at most 3x the premium of a 30-year-old and over-70s at most 4x.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3	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	Pre-existing illnesses and accidents are excluded, as are cosmetic treatments and ineffective or uneconomic treatments.Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 4	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	Inpatient complementary medicine treatments in recognised cure facilities are reimbursed up to CHF 5000 per calendar year.Source: ZVB SANA, Ausgabe 1. Januar 2021, edition 2027, p. 1	not comparable

All products in “Contract terms” compared

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