CSS Hospitalisation Insurance myFlex Premium Option 2

Inpatient insurance private ward

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General

General information:

Acceptance not guaranteed. Health check by CSS beforehand.

Model:

Private ward

Choice of hospital and doctor:

Free choice of ward in all hospitals in Switzerland. Free choice of doctor. Worldwide coverage for elective and emergency treatments.

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: no co-payment.

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, Klinik Tiefenbrunnen, 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 160 per day and up to CHF 4000 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 2000 to an outpatient birth or a home birth, without proof of costs. Waiting period: 365 days.

Rooming in:

Stay of an accompanying person: CHF 160 per day, up to a maximum of CHF 4000 per calendar year.

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 all kind of treatments. In case of elective treatments: up to CHF 500,000 per calendar year.

Rehabilitation stationary:

All costs covered in any hospitals.

Psychiatry:

Maximum of 180 days per calendar year in a clinic of your choice.

Additional services:

Hospitalization and examination costs for newborns (for a maximum of 60 days from birth).
Accident and illness due to hazards (CHF 500,000 per calendar year) also insured.
In-patient ligation (CHF 10,000 per case).
Outpatient treatment in partner clinics: CHF 1400 per calendar year and CHF 500 per calendar year for additional services (parking tickets, travel costs, childcare, etc.).
Transportation costs to avoid or shorten a hospital stay: CHF 2000 per calendar year.
Appreciation for voluntary stay in the less expensive general ward of CHF 2000 (stay of at least 4 days).
Appreciation for voluntary stay in the less expensive semi-private ward of CHF 1000 (stay of at least 4 days).
CSS-Check-up (health account): 50 percent up to CHF 1000 every 2 calendar years. Gym memberships (health account): 50 percent, maximum CHF 500 (family CHF 700) 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 700 per calendar year).