CSS Spitalversicherung myFlex Premium vs. Visana Ambulant Ambulant I: benefits compared
Direct comparison of CSS Spitalversicherung myFlex Premium and Visana Ambulant Ambulant I in 4 categories. All values come from the policy terms and are backed by their source.
CSS Spitalversicherung myFlex Premium is better on 0 features, Visana Ambulant Ambulant I on 1; both are equal on 4.
- CSS Spitalversicherung myFlex Premium
- Visana Ambulant Ambulant I
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Prevention
| Feature | CSS Spitalversicherung myFlex Premium | Visana Ambulant Ambulant I | Result |
|---|---|---|---|
| Coverage (percent) | 50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | Visana Ambulant Ambulant I better |
| Annual cap | CHF 700Source: Leistungsuebersicht myFlex, edition 2027, p. 2 | No verified information | not comparable |
| Vaccinations (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Vaccinations: annual cap | No verified information | CHF 100Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Health check-up | No verified information | CHF 200Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Gynaecological screening (percent) | No verified information | 90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
Travel abroad
| Feature | CSS Spitalversicherung myFlex Premium | Visana Ambulant Ambulant I | 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4 | equal |
| 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
Rescue and transport
| Feature | CSS Spitalversicherung myFlex Premium | Visana Ambulant Ambulant I | Result |
|---|---|---|---|
| Trips to treatments | CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5 | No verified information | not comparable |
| Rescue cost cap | No verified information | CHF 25’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
| Transport cost cap | No verified information | CHF 10’000Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3 | not comparable |
Contract terms
| Feature | CSS Spitalversicherung myFlex Premium | Visana Ambulant Ambulant I | 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 | No verified information | not comparable |
| Insurer does not cancel after a claim | YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3 | YesSource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3 | 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 | YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | equal |
| 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: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, 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 set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, 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 | Includes Vacanza travel insurance (up to eight weeks per trip, with emergency assistance and legal protection) and Visana Assistance round-the-clock emergency help in Switzerland.Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.