HOSPITAL Semi-Private
Semi-private insurance allows you to recover in a two-bed room during inpatient stays. You are free to choose from the hospitals and doctors recognised by Helsana. Even when you’re abroad.
Insured benefits
HOSPITAL Semi-Private supplements your basic insurance for inpatient treatment. The insurance covers the benefits provided in a semi-private ward, such as a two-bed room, choice of doctor and choice of hospital. However, semi-private-hospital insurance can also help before and after your stay:
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 100 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 delivery in a hospital or birthing centre on an outpatient basis, you receive a one-time lump sum on birth of CHF 1,500.
There is a waiting period of 365 days for maternity benefits from the start of insurance.
What does your basic insurance cover?
Basic insurance does not cover any costs. The mother does not receive any maternity allowance on giving birth.
You receive up to CHF 250 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 ward instead of a semi-private ward, you are entitled to lump-sum compensation of CHF 1,000. 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 hospital insurance
Semi-private insurance is a sensible option if freedom of choice and comfort are important to you:
- You choose your doctor and hospital
- You stay in a two-bed room
- You receive quick access to specialists
- You can benefit from additional supplementary insurance benefits during your stay, such as household help, convalescent treatments or a nanny service
Please note: if you choose the general ward for your treatment, we will reimburse you the costs of a semi-private ward – a flat rate of CHF 1000.– for stays of three nights or more.
Semi-private insurance means that, during an inpatient stay, you will be placed in a two-bed room in the semi-private ward of a hospital recognised by Helsana. You are free to choose your doctor and will enjoy more comfort than in a general ward.
Semi-private hospital insurance offers a two-bed room. Private hospital insurance offers a single room. Both options give you a free choice of doctor. Private also offers more privacy and higher benefits.
You can switch from semi-private to general without a risk assessment after expiry of the minimum term of contract. The change applies from the following month.
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).
“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
In principle, semi-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.
A room-only upgrade is not possible. If you wish to upgrade from general to semi-private or from semi-private to private, you can switch to a semi-private or private ward, which includes further benefits such as a free choice of doctor. Without semi-private or private insurance, you will pay the surcharge of switching from general to semi-private or private yourself. This can quickly add up to several thousand francs. Would you like to select your ward for each individual treatment? If so, HOSPITAL FLEX is better for you.
We provide comprehensive cover for emergencies abroad at a rate of CHF 1500.– per day. Cost approval is required for planned treatments. The benefits are based on Swiss standards.
If you want to see an ophthalmologist, orthopaedist or other specialist, you often have to wait months 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.
Downloads
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
You may also be interested in the following supplementary insurance:
Do you have questions?
We're here to help.