Hospital insurance
Comfort, flexibility and much more: tailor your future hospital stay to meet your needs. Select from four hospital insurance policies.
Frequently asked questions
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year.
- Cancellation is possible effective from 31 December.
- The notice period for cancellation is three months.
- Notice of cancellation must reach us by no later than the last working day in September.
- If the premium changes, a notice period of one month applies.
- In this case, notice of cancellation must reach us by no later than the last working day in November.
A waiting period is the time from the commencement of the contract during which you are not yet entitled to claim insurance benefits. The waiting period for supplementary hospital insurance only applies to the birth:
there is a waiting period of 365 days in the case of maternity. That means you cannot claim benefits before the end of the first insurance year. This also applies to pre-existing pregnancies. In other words, in the first year, your maternity stay in a hospital would only be covered through basic insurance – for childbirth and postpartum care, for instance. Basic insurance covers the cost of a stay, care and treatment in a general ward (multi-bed room) in a hospital in your canton of residence. For out-of-canton hospitals, the tariff in your canton of residence is taken as the maximum cost limit.
Benefits in the event of illness or accident are covered from the start of the insurance. In this instance, there is no waiting period and you always have a free choice of hospitals.
If multiple people in your household are insured under the same contract, you can benefit from our family discount on supplementary insurance:
- 5% discount for two or more people
- 10% discount for three or more people
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