CSS Spitalversicherung myFlex Premium vs. KPT Pulse Pulse Eco: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and KPT Pulse Pulse Eco in 4 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 1 features, KPT Pulse Pulse Eco on 1; both are equal on 3.
- CSS Spitalversicherung myFlex Premium
- KPT Pulse Pulse Eco
- Compare with other products
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Prevention
| Feature | CSS Spitalversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Annual cap | CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Vaccinations (percent) | No verified information | 100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 200Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | not comparable |
| Gynaecological screening (percent) | No verified information | 100%Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | not comparable |
Fitness
| Feature | CSS Spitalversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Annual contribution | CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 50Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 2 | CSS Spitalversicherung myFlex Premium better |
Travel abroad
| Feature | CSS Spitalversicherung myFlex Premium | KPT Pulse Pulse Eco | 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 | No verified information | not comparable |
| Planned treatment abroad | CHF 500’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2 | No verified information | not comparable |
| Maximum trip duration in days | No verified information | 56Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 2 | not comparable |
| Trip cancellation costs | No verified information | CHF 20’000Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 2 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Premium | KPT Pulse Pulse Eco | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Pulse Pulse Eco better |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, 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 für die Zusatzversicherungen nach VVG, 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 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | equal |
| 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 are age-based in 5-year age bands from 00–05 to 91+; moving to a higher band usually raises the premium on 1 January.Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, 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 | 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 |
| Prerequisite | No verified information | The insurance only exists as long as the insured is subject to the mandatory basic insurance (OKP).Source: Besondere Bedingungen ambulante Zusatzversicherung Pulse Eco, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.