CSS Hospitalisation Insurance myFlex Balance Option 2

Inpatient insurance semi-private ward

Get a free quote now >>

General

General information:

Acceptance not guaranteed. Health check by CSS beforehand.

Model:

Semi-private ward

Choice of hospital and doctor:

Free choice of ward in all recognized hospitals in Switzerland. Free choice of doctor. Emergency services also worldwide.

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year.

Premiums and discounts:

Amount of premiums varies depending on the age, place of residence and gender of the insured person. The premiums for 2026 are shown here.

General ward: no co-payment.
Semi-private ward: no co-payment.
Private ward: co-payment of 35% (up to CHF 2000 per calendar year).

Discount when taking out a 3- or 5-year contract and for no claims.

Selection of relevant Swiss hospitals:

Hirslanden St. Anna, Hirslanden Stephanshorn, Hirslanden Belair, Hirslanden AndreasKlinik Cham Zug, Hirslanden La Colline, Hirslanden Birshof, Hirslanden Klinik Im Park, Hirslanden Salem-Spital, Hirslanden Beau-Site, Hirslanden Permanence, Hirslanden Aarau, Hirslanden St. Anna - Meggen, Hirslanden Bois-Cerf, Hirslanden Cecil, Hirslanden Zürich, Merian Iselin, Reha Rheinfelden, Schulthess Klinik, Klinik Susenberg, Privatklinik Hohenegg, Clinic Bad Ragaz, Clinique Générale-Beaulieu, Lindenhofgruppe Lindenhofspital, Lindenhofgruppe Sonnenhofspital, Lindenhofgruppe Engeriedspital, Klinik Pyramide am See, Klinik Bethesda, SMN Clinica Ars Medica, SMN Clinica Sant'Anna, SMN Clinique Générale, SMN Clinique Montbrillant, SMN Clinique Valmont, SMN Clinique de Genolier, SMN Clinique de Montchoisi, SMN Clinique de Valère, SMN Hôpital de la Providence, SMN Privatklinik Bethanien, SMN Privatklinik Lindberg, SMN Privatklinik Obach, SMN Privatklinik Villa im Park, SMN Schmerzklinik Basel

Spa and convalescent therapy:

For medical reasons and prescribed by a doctor in a recognized spa: up to CHF 80 per day and up to CHF 2000 per calendar year for spa treatments and convalescent cures in Switzerland.

Maternity:

Childbirth costs are covered in listed hospitals throughout Switzerland. For an inpatient birth at a birth centre: at least CHF 1000. CHF 1500 to an outpatient birth or a home birth, without proof of costs. Waiting period: 365 days.

Rooming in:

Stay of an accompanying person: CHF 80 per day, up to a maximum of CHF 2000 per calendar year (in the case of minor children).

Home help:

No coverage.

Home care:

No coverage.

Emergency transport costs:

No coverage.

Search and rescue costs:

No coverage.

Repatriation:

No coverage.

Hospital abroad:

Worldwide cover for emergency treatments only.

Rehabilitation stationary:

Choice between approved clinics, stay for a maximum of 90 days per calendar year.

Psychiatry:

Up to a maximum of 90 days per calendar year in a CSS-approved clinic.

Additional services:

Hospitalization and examination costs for newborns (for a maximum of 30 days from birth).
In-patient ligation (CHF 4000 per case).
Outpatient treatment in partner clinics: CHF 900 per calendar year and CHF 300 per calendar year for additional services (parking tickets, travel costs, childcare, etc.).
Transportation costs to avoid or shorten a hospital stay: CHF 1000 per calendar year.
Appreciation of CHF 1000 for voluntary stay in the less expensive general ward (stay of at least 4 days).
CSS-Check-up (health account): 50 percent up to CHF 500 every 2 calendar years. Gym memberships (health account): 50 percent, maximum CHF 250 (family CHF 500) per calendar year. myFlex policyholders with a Balance or Premium health account also benefit from the health account bonus. If benefits are drawn from several areas, the maximum contribution applies across all areas (50%, maximum CHF 500 per calendar year).