HOSPITAL Private
With HOSPITAL Private, you can recover in a single room during inpatient stays and choose your doctor and hospital. For more autonomy and maximum privacy.
Insured benefits
Additional benefits in hospital, such as a free choice of doctor, can quickly add up. HOSPITAL Private insures you against this. This is what private hospital insurance covers in addition to basic insurance:
If an acute inpatient hospital stay or stay in a convalescent facility can be prevented or at least reduced by medically prescribed household help, then you receive up to CHF 200 per day for up to 30 days per calendar year.
What does your basic insurance cover?
Basic insurance does not cover any costs. Patients who require household help after a stay in hospital have to finance this themselves.
For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive a one-time lump sum on birth of CHF 3,000.
There is a waiting period of 365 days for maternity benefits from the start of insurance.
What does your basic insurance cover?
No benefits from the basic insurance. The mother does not receive any maternity allowance on giving birth.
You receive up to CHF 500 per calendar year when receiving inpatient treatments for travel costs to and from the hospital in Switzerland against submission of receipt (official taxi, Red Cross vehicle or public transport).
What does your basic insurance cover?
The basic insurance contributes to the costs of medically indicated ambulance transport and rescue.
If, during your hospital stay, you stay in a general or semi-private ward instead of a private ward, you are entitled to lump-sum compensation of CHF 3,000 or 1,000 respectively. If you have arranged a deductible, this will be deducted.
Requirement: Hospital stay of at least three nights. The claim for a refund must be submitted to Helsana.
Advantages for persons insured with supplementary insurance
Frequently asked questions about private hospital insurance
Private hospital insurance for inpatient stays is worthwhile if comfort, privacy and autonomy are important to you:
- You choose your doctor yourself
- You can recover in a single room in a private ward
- You have access to specialists
- You get faster appointments thanks to Fast Track
- You are entitled to an expert second opinion
- You receive additional benefits related to your stay
See all the details in the benefits catalogue.
HOSPITAL Private supplementary hospital insurance offers a single room, and HOSPITAL Semi-Private a two-bed room. You are free to choose your own doctor in both wards. With HOSPITAL Private, however, you receive larger contributions towards all insured benefits.
You can switch from HOSPITAL Private to Semi-Private without a risk assessment after expiry of the minimum term of contract. The change applies from the following month. If you want to upgrade from semi-private to private, we will use a health questionnaire to check whether we can accept you.
You can take out this insurance if you officially reside in Switzerland and receive an acceptance from us following a medical examination (form with questions about your health).
In principle, private hospital insurance gives you a free choice of hospitals anywhere in Switzerland. Some hospitals and clinics are not recognised by Helsana, which may lead to additional costs. You should therefore clarify the cost coverage with us before your hospital stay.
Yes. You will benefit from full cost coverage abroad in accordance with our Insurance Conditions. This applies to emergencies in hospital as well as to planned inpatient treatment. Cost approval must be sought from Helsana in advance for planned procedures.
“Free choice of doctor in hospital” means that you can choose which doctor treats you. You can go to any hospital recognised by Helsana.
Remember that additional costs may be incurred for attending physicians who are not recognised by us. You can find these exceptions here:
List of hospitals and attending physicians without full cost coverage
If you want to see a specialist, you often have to wait a long time for an appointment. Fast Track enables you to obtain an appointment with a consultant or specialist at one of our partner clinics within just five working days.
In the case of a serious illness, such as cancer, you can have the diagnosis and treatment reviewed. To do this, you need to consult a leading specialist. This second opinion shows whether the treatment is medically up-to-date and meets your needs, giving you clarity and enabling you to make more confident decisions.
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Note
We no longer offer the following supplementary hospital insurance. You can find information about these products in the respective insurance conditions:
Other supplementary insurance products
The following supplementary insurance products may be of interest to you:
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