Hospital insurance myFlex

With hospital insurance, you always have the choice for treatments in the hospital - the ideal complement to basic insurance.

Premium calculator
  • Free choice of hospital and hospital department throughout Switzerland.
  • Worldwide coverage for emergencies.
  • Contributions for births at home or in a birthing center.
Hospital insurance myFlex Economy
At KVG and CSS-recognized hospitals. Choice of hospital department before admission.
Cost sharing (Kobe) per calendar year:

Variant 1 General: No cost sharing Semi-private: 40%, max. CHF 8,000 Private: 70%, max. CHF 14,000

Variant 2 General: No cost sharing Semi-private: 20%, max. CHF 4,000 Private: 35%, max. CHF 7,000
Hospital insurance myFlex Balance
At KVG and CSS-recognized hospitals. Choice of hospital department before admission. Cost sharing (Kobe) per calendar year:

Variant 1 General: No cost sharing Semi-private: 20%, max. CHF 2,000 Private: 35%, max. CHF 4,000

Variant 2 General: No cost sharing* Semi-private: No cost sharing Private: 35%, max. CHF 2,000
Hospital insurance myFlex Premium
In all hospitals in Switzerland. Choice of hospital department before admission. Cost sharing (Kobe) per calendar year:

Variante 1 Allgemein: ohne Kobe* Halbprivat: ohne Kobe Privat: 35 %, max. CHF 2'000

Variant 2 General: No cost sharing** Semi-private: No cost sharing* Private: No cost sharing

Insured benefits

The CSS insurance reimburses the following benefits in addition to the statutory benefits of basic insurance from the myFlex hospital insurance:

Free choice of department (general, semi-private, private) for inpatient treatment.
Choice of department before entering the hospital or clinic. Depending on the department selected, the cost share determined at the time of conclusion of the contract will be invoiced per calendar year.
Hospital inpatient
Choice among KVG and CSS-recognized hospitals.
Rooming in
myFlex Balance: For one person accompanying the child max. CHF 80/day up to max. CHF 2,000/kj.

myFlex Premiume: For one person accompanying the child or adult max. CHF 160/day up to max. CHF 4,000/kj.
Maternity services in a birthing center or outpatient home birth
myFlex Economy: For a stationary birth CHF 1,000.

myFlex Balance: All stated accommodation costs, but at least CHF 1,000.

myFlex Premium: All stated accommodation costs, However, at least CHF 1,000.

Bath and relaxation treatments
myFlex Economy: Together max. CHF 20/day up to max. CHF 500/kj.

myFlex Balance: Together max. CHF 80/day up to max. CHF 2,000/kj.

myFlex Premium: Total max. CHF 160/day up to max. CHF 4,000/kj.


Downloads

MyFlex service overview

Frequently Asked Questions

Why do I need additional hospital insurance?
Supplementary hospital insurance supplements the benefits of your basic insurance in the event of an inpatient hospital stay according to your wishes.
Basic insurance only reimburses the tariff set in your canton of residence for the stay and medical treatment in the general ward (multi-bed room), provided that the hospital is on the hospital list of your canton of residence (listed hospital) or you need to be treated in a hospital outside the canton for medical reasons . You have to pay for any services that go beyond this yourself - for example, household help after an acute hospital stay or childcare while you recover in the hospital. These additional services in particular provide financial relief and more relaxation.
Does flexible supplementary hospital insurance make sense for me?
Hospital Flex is ideal if you want to choose a new department each time you stay in hospital. The selected department determines the room comfort and the additional services:
For minor procedures, a hospital stay in the general ward is often sufficient. There are no additional costs to you as a patient.
If you have a longer hospital stay, you may want more peace and privacy. In this case, you can choose the semi-private (double room) or private department (single room) for an additional charge (share of costs).
You may only want to have certain operations carried out by a specific doctor - for example if it is a particularly complicated procedure. However, free choice of doctor is only available in the semi-private and private departments.
With flexible supplementary hospital insurance, do I always have a free choice of doctor?
No. The free choice of doctor only applies to hospital stays in the semi-private or private ward. If you choose the general ward, you cannot choose your operating doctor yourself.
Can I go to any hospital in Switzerland?
Basically, you enjoy free choice of hospital throughout Switzerland. However, certain hospitals and clinics or their departments or tariffs are not recognized by CSS Insurance. Therefore, there may be costs that you have to cover yourself.
Therefore, please ask CSS Insurance beforehand whether they will cover the entire cost of your hospital stay.
Who can take out myFlex hospital insurance?
You can take out the insurance if you meet the following requirements:
Your official residence is in Switzerland.
You will receive a positive acceptance letter from CSS Insurance. To assess the risk, you will need your fully completed health declaration.
How and when can I cancel the insurance?
The minimum term is one year. The contract is automatically extended for another year each year when it expires.
You can cancel the insurance on December 31st and switch to another health insurance company in Switzerland. A notice period of three months applies. The cancellation must be received by your health insurance company by the last working day in September at the latest. If the insurance premium changes, a one-month notice period applies. The cancellation must then be received by the health insurance company by the last working day in November at the latest.
x