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CSS Insurance

myFlex Hospitalisation Insurance benefits

Hospitalisation insurance offers comprehensive cover in the case of any hospital treatment. It is therefore the ideal supplement to basic insurance. Compare the various benefits of the three categories (Economy, Balance, Premium) and review your cover now.

Immediate answers to your questions about benefits

Do you already have insurance from CSS? The myCSS Benefits Check makes it even easier to review your cover.

Cover under myFlex Hospitalisation Insurance

The following list provides you with an overview of the benefits and is not exhaustive. The benefits are divided into four categories:

Benefit ECONOMY BALANCE PREMIUM
Territorial validity Elective treatment Switzerland, emergency treatment worldwide Elective treatment Switzerland, emergency treatment worldwide Elective treatment Switzerland, emergency treatment worldwide
Free choice of ward (general ward, semi-private, private) for inpatient treatment Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded
and will be invoiced
each calendar year.
Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded
and will be invoiced
each calendar year.
Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded
and will be invoiced
each calendar year.
Inpatient hospitalisation Choice of KVG and CSS
recognised hospitals
Choice of KVG and CSS
recognised hospitals
Choice of any hospital
Inpatient elective treatment abroad - -
Max. CHF 500,000/CY
Inpatient rehabilitation Choice of KVG and CSS recognised hospitals, for 60 days/CY max. Choice of KVG and CSS recognised hospitals, for 90 days/CY max. Choice of any clinic, no limit
Spa treamtents and recovery cures Together max. CHF 20/day, up to a max. of CHF 500/CY Together max. CHF 80/day, up to a max. of CHF 2,000/CY Together max. CHF 160/day, up to a max. of CHF 4,000/CY
Inpatient maternity benefits in a birth clinic CHF 1,000 for an inpatient birth All substantiated costs of accommodation, at least CHF 1,000 All substantiated costs of accommodation, at least CHF 1,000
Outpatient maternity benefits in a birth clinic or an outpatient home birth CHF 1,000 per birth without substantiation of costs CHF 1,500 per birth without substantiation of costs CHF 2,000 per birth without substantiation of costs
Cost of accommodation and initial medical examination of a newborn For a max. of 10 days after the birth For a max. of 30 days after the birth For a max. of 60 days after the birth
Care of a healthy newborn if mother is re-hospitalised - Up to 10 weeks after the birth, max CHF 100/day All costs for up to 10 weeks after the birth
Rooming-in - For a person accompanying a child, max. CHF 80/day, up to a max. of CHF 2,000/CY For a person accompanying a child or an adult, max. CHF 160/day, up to a max. of CHF 4,000/CY
Inpatient sterilisation Max. CHF 500/case Max. CHF 4,000/case Max. CHF 10,000/case
Inpatient psychiatry Choice of KVG and CSS recognised hospitals, for 60 days/CY max. Choice of KVG and CSS recognised hospitals, for 90 days/CY max. Choice of any clinic, for 180 days/CY max.
Hazardous activities - - Max. CHF 500,000/CY
Cost of transport to avoid or cut short periods of hospitalisation Up to CHF 250/CY; no accumulation with myFlex Outpatient Insurance Up to CHF 1,000/CY; no accumulation with myFlex Outpatient Insurance Up to CHF 2,000/CY; no accumulation with myFlex Outpatient Insurance
Co-payment (on all costs for treatment in excess of those for the general ward)
In KVG and CSS recognised hospitals. Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment
Semi-private: 40%, up to CHF 8,000
Private: 70%, up to CHF 14,000
Option 2
General ward: no co-payment Semi-private: 20%, up to CHF 4,000
Private: 35%, up to CHF 7,000
In KVG and CSS recognised hospitals. Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment
Semi-private: 20%, up to CHF 2,000
Private: 35%, up to CHF 4,000
Option 2
General ward: no co-payment*
Semi-private: no co-payment
Private: 35%, up to CHF 2,000
In all hospitals in Switzerland.
Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment*
Semi-private: no  co-payment
Private: 35%, up to CHF  2,000
Option 2
General ward: no co-payment**
Semi-private: no co-payment*
Private: no co-payment

KVG = Federal Health Insurance Act
CY = calendar year

* In case of a period of hospitalisation of at least 4 days (3 nights) CSS Insurance  refunds CHF 1,000 if this ward is chosen for the stay.

** In case of a period of hospitalisation of at least 4 days (3 nights) CSS Insurance  refunds CHF 2,000 if this ward is chosen for the stay.

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