CSS Spitalversicherung myFlex Premium vs. SWICA Praevita: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and SWICA Praevita in 2 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 1 features, SWICA Praevita on 0; both are equal on 2.
- CSS Spitalversicherung myFlex Premium
- SWICA Praevita
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Prevention
| Feature | CSS Spitalversicherung myFlex Premium | SWICA Praevita | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | 50%Source: ZB Praevita (VVG), edition 2027, p. 3 | equal |
| Annual cap | CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | CSS Spitalversicherung myFlex Premium better |
| Vaccinations (percent) | No verified information | 90%Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 200Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
| Health check-up | No verified information | CHF 500Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Premium | SWICA Praevita | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Cancellation notice in months | 3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| 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 | Age-based (Lebensalter) tariff; premiums adjust with age groups 0–18, 19–25, 26–30 and then five-year steps up to 71+.Source: ZB Praevita (VVG), edition 2027, p. 4 | 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 | Requires an existing Completa Top or Completa Forte supplementary insurance with SWICA; Praevita ends when it ends.Source: ZB Praevita (VVG), edition 2027, p. 3 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.