myFlex Outpatient Insurance
The clever supplement to basic insurance. Supplementary insurance for outpatient treatment closes gaps in basic medical care.
Calculate premium
The advantages for you
-
90% of your expenses for recognised medication are refunded.
-
Worldwide cover for emergencies, including emergency transport and repatriation.
-
Legal protection for patients and legal protection while abroad in Europe.
-
Under the Balance and Premium categories, you get contributions towards glasses, aids, preventive examinations and much more.
- myFlex Outpatient Insurance lets you take full advantage of the enjoy365 Health Shop and the active365 rewards app.
How outpatient insurance works
Would you like to know that you're well prepared for whatever comes your way? Whether glasses, a dental brace for your child or medication – outpatient insurance protects you and your family.
What outpatient means
It covers treatment and aids that don't require a stay in hospital. Examples include psychotherapy, vaccinations and insoles. In an emergency abroad, inpatient hospitalisation costs are also paid.
How much does myFlex Outpatient Insurance cost?
Premiums vary depending on your age and chosen category. Thanks to the Economy, Balance and Premium categories, Outpatient Insurance can be perfectly adapted to your needs. Choose the option that best matches you and your budget.
Good to know about myFlex Outpatient Insurance
Mandatory basic insurance doesn’t cover all your healthcare costs. myFlex Outpatient Insurance lets you round out your cover.
Increase your cover, no health questions asked
Choose the Upgrade option. This gives you the flexibility to tailor your insurance to your own personal circumstances, regardless of your state of health. The option may be exercised every 5 years (at the age of 20, 25, 30, etc. up to age 70).
Pay less thanks to no-claims bonus
We reward people who hardly ever see a doctor or go into hospital. A no-claims bonus is granted if no benefits are claimed from the insurance in question during a certain period of time. This entitlement is reviewed each year. The bonus depends upon the performance of the insurance business.
Overview of benefits Overview of benefits
myFlex Outpatient Insurance
Switzerland
90%, no limit for medically prescribed medication
90%, no limit for medically prescribed medication
90%, no limit for medically prescribed medication
90%, no limit for medically prescribed products that are effective, suitable, economically efficient, scientifically recognised in Switzerland and sold at standard market prices
CHF 150 / case up to age 18
CHF 150 / calendar year from 19 years of age
CHF 150 / calendar year from 19 years of age
CHF 300 / case up to age 18
CHF 300 / calendar year from 19 years of age
CHF 300 / calendar year from 19 years of age
50%, max. CHF 1,000 / calendar year up to 18 years of age
50%, max. CHF 2,000 / calendar year up to 18 years of age
50%, max. CHF 12,000 / calendar year up to 20 years of age
50%, no limit up to 20 years of age
50%, max. CHF 1,000 / calendar year from 19 years of age
50%, max. CHF 2,000 / calendar year from 19 years of age
Total for care / assistance:
max. CHF 50 / day, up to
max. CHF 2,000 / calendar year (medically prescribed)
max. CHF 50 / day, up to
max. CHF 2,000 / calendar year (medically prescribed)
Total for care / assistance: max. CHF 100 / day, up to
max. CHF 4,000 / calendar year (medically prescribed)
max. CHF 4,000 / calendar year (medically prescribed)
CHF 20 / day, up to max. CHF 2,000 / calendar year (medically prescribed)
75%, max. CHF 1,000 / calendar year by psychotherapists recognised by CSS
75%, max. CHF 3,000 / calendar year by psychotherapists recognised by CSS
90%, max. CHF 2,000 / person up to 18 years of age
90%, max. CHF 5,000 / person up to 18 years of age
90%, max. CHF 100 / calendar year
90%, no limit
90%, no limit
90%, max. CHF 500 / calendar year
90%, max. CHF 1,000 / calendar year
90%, max. CHF 2,000 / calendar year
90%, no limit
90%, no limit
90%, no limit
90%, max. CHF 2,000 / case
90%, max. CHF 5,000 / case
Max. CHF 250,000 / calendar year
Maternity
90%, no limit
90%, no limit
90%, no limit
90%, no limit
90%, no limit
90%, no limit
CHF 200 / child
CHF 200 / child
CHF 200 / child
Abroad worldwide
Outpatient: 90%, no limit
Inpatient: no limit
Inpatient: no limit
Outpatient: 90%, no limit
Inpatient: no limit
Inpatient: no limit
Outpatient: 90%, no limit
Inpatient: no limit
Inpatient: no limit
Insured
Insured
Insured
90%, max. CHF 250,000 / calendar year
CHF 250,000 / case in Europe;
CHF 50,000 / case outside Europe
CHF 50,000 / case outside Europe
CHF 250,000 / case in Europe;
CHF 50,000 / case outside Europe
CHF 50,000 / case outside Europe
CHF 250,000 / case in Europe;
CHF 50,000 / case outside Europe
CHF 50,000 / case outside Europe
Switzerland/abroad
Emergency transport: no limit;
search and rescue operations: CHF 100,000 / case
search and rescue operations: CHF 100,000 / case
Emergency transport: no limit;
search and rescue operations: CHF 100,000 / case
search and rescue operations: CHF 100,000 / case
Emergency transport: no limit;
search and rescue operations: CHF 100,000 / case
search and rescue operations: CHF 100,000 / case
CHF 250 / calendar year
CHF 1,000 / calendar year
CHF 2,000 / calendar year
No limit
No limit
No limit
Other outpatient benefits
90%, max. CHF 500 / calendar year
90%, max. CHF 500 / calendar year
90%, max. CHF 500 / calendar year
Maternity benefits under myFlex Outpatient Insurance
Additional check-ups by your doctor or midwife, more ultrasound screenings, support in the form of home help and a breastfeeding allowance. Discover the maternity benefits under myFlex Outpatient Insurance.
Frequently asked questions
No. We recommend insuring the risk of accident. Excluding it is only recommended for persons who are insured through their employer for better cover than that prescribed by law. Exclusion results in a mere 7% premium reduction.
The Balance and Premium categories of myFlex Outpatient Insurance pay a share of the costs. Glasses & contact lenses: what CSS pays
Under the Premium category, even high-risk sports are fully insured. However, we reserve the right to reduce benefits in the event of gross negligence.
Yes. Under myFlex Outpatient Insurance, you get additional maternity benefits such as a breastfeeding allowance, additional screening and ultrasound examinations, and more.
If you have outpatient insurance with CSS and your child also has supplementary insurance with CSS, you’ll get a breastfeeding allowance of up to CHF 200. Here's how: Apply for breastfeeding allowance
If you have myFlex Hospitalisation Insurance, you benefit from the Health Account. We provide support – of up to CHF 800 per year – for your health-related activities through the Health Account.
The personal assistance available under myFlex Outpatient Insurance provides you with all-round protection abroad:
- Prompt commitment to provide cover for outpatient or inpatient treatment
- Compassionate family visit if hospitalised for seven days or more or due to a life-threatening situation
- Additional travel costs if there is a strike or if the person travelling with you falls ill or has an accident
- Recovery and repatriation on death – worldwide, unlimited
Downloads
- Comparison of benefits myFlex (PDF)
- Brochure myFlex-Products (PDF)
- Pregnancy and birth - myFlex benefits supplementary insurance (PDF)
- Additional list of pharmaceutical preparations for special applications (LPPV) (PDF)
- Hilfsmittelliste VVG – Ambulantversicherung myFlex (in German) (PDF)
- List of CSS-recognised vaccinations (PDF)
- Leistungserbringerliste: Anerkannte Labore (in German) (PDF)
- Abroad – myFlex benefits at a glance (PDF)
- GIC - myFlex products, Version 01.2025 (PDF)
- Supplementary Conditions - myFlex Outpatient Insurance (PDF)
