CSS Spitalversicherung myFlex Balance

Name: CSS Spitalversicherung myFlex Balance
Brand: CSS

Verified benefits of CSS Spitalversicherung myFlex Balance (Hospital): 35 details in 9 categories, each with its source from the policy terms. As of 2027.

Hospital

Rank 5 of 50

Feature	Value
Free hospital choice across Switzerland	YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2
Ward choice at admission	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2
Cost share semi-private (percent)	20%Source: Leistungsuebersicht myFlex, edition 2027, p. 2
Cost share private (percent)	35%Source: Leistungsuebersicht myFlex, edition 2027, p. 2
Maximum cost share per year	CHF 2’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6
Psychiatric clinic: maximum days	90Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3
Rooming-in (per day)	CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2
Extras for outpatient surgery	YesSource: Leistungsuebersicht myFlex, edition 2027, p. 2
Ward	General, semi-private or private ward, chosen by the insured before admissionSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5

All products in “Hospital” compared

Alternative medicine

Feature	Value
Coverage (percent)	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6
Annual cap	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6

All products in “Alternative medicine” compared

Prevention

Rank 15 of 26

Feature	Value
Coverage (percent)	50%Source: Leistungsuebersicht myFlex, edition 2027, p. 2
Annual cap	CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2

All products in “Prevention” compared

Fitness

Rank 4 of 13

Feature	Value
Annual contribution	CHF 500Source: Leistungsuebersicht myFlex, edition 2027, p. 2

All products in “Fitness” compared

Maternity

Rank =3 of 42

Feature	Value
Waiting period in months	12 monthsSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3
Home birth	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4
Birth centre	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3
Newborns without health check	Not coveredSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2

All products in “Maternity” compared

Travel abroad

Rank =7 of 49

Feature	Value
Emergency cover cap	UnlimitedSource: Leistungsuebersicht myFlex, edition 2027, p. 2
Worldwide validity	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2
Planned treatment abroad	Not coveredSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5

All products in “Travel abroad” compared

Rescue and transport

Rank 31 of 34

Feature	Value
Trips to treatments	CHF 1’000Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5

All products in “Rescue and transport” compared

Cures and recovery

Rank 7 of 37

Feature	Value
Spa cure (per day)	CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2
Recovery stay (per day)	CHF 80Source: Leistungsuebersicht myFlex, edition 2027, p. 2

All products in “Cures and recovery” compared

Contract terms

Rank =49 of 126

Feature	Value
Minimum contract duration in years	3Source: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3
Insurer does not cancel after a claim	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3
No-claims bonus	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6
Family discount	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7
Upgrade without a health check	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6
Suspension possible	YesSource: AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3
Accident cover included	YesSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2
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
Notable exclusions	Only acute stays covered; chronic illness, nursing homes and long-term psychiatric day/night clinic stays excluded; no complementary medicine; no hospitals without CSS-recognised wardSource: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5
Other notable benefits	Inpatient sterilisation covered up to CHF 4000 per case; newborn care CHF 100/day on readmission of mother.Source: ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4

All products in “Contract terms” compared

Facts

CSS Spitalversicherung myFlex Balance: Free hospital choice across Switzerland: Yes (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Ward choice at admission: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Cost share semi-private (percent) 20% (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Cost share private (percent) 35% (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Maximum cost share per year CHF 2’000 (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6).
CSS Spitalversicherung myFlex Balance: Psychiatric clinic: maximum days 90 (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Rooming-in (per day) CHF 80 (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Extras for outpatient surgery: Yes (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Coverage (percent): Not covered (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6).
CSS Spitalversicherung myFlex Balance: Annual cap: Not covered (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6).
CSS Spitalversicherung myFlex Balance: Coverage (percent) 50% (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Annual cap CHF 500 (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Annual contribution CHF 500 (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Waiting period in months 12 months (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Home birth: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 4).
CSS Spitalversicherung myFlex Balance: Birth centre: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Newborns without health check: Not covered (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Emergency cover cap: Unlimited (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Worldwide validity: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Planned treatment abroad: Not covered (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 5).
CSS Spitalversicherung myFlex Balance: Trips to treatments CHF 1’000 (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 5).
CSS Spitalversicherung myFlex Balance: Spa cure (per day) CHF 80 (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Recovery stay (per day) CHF 80 (Leistungsuebersicht myFlex, edition 2027, p. 2).
CSS Spitalversicherung myFlex Balance: Minimum contract duration in years 3 (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Cancellation notice in months 3 months (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Insurer does not cancel after a claim: Yes (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: No-claims bonus: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6).
CSS Spitalversicherung myFlex Balance: Family discount: Yes (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 7).
CSS Spitalversicherung myFlex Balance: Upgrade without a health check: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 6).
CSS Spitalversicherung myFlex Balance: Suspension possible: Yes (AVB Krankenzusatzversicherungen nach VVG (myFlex), Ausgabe 01.2026, edition 2027, p. 3).
CSS Spitalversicherung myFlex Balance: Accident cover included: Yes (ZB Spitalversicherung myFlex, Ausgabe 01.2009, edition 2027, p. 2).

Direct comparisons

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