HOSPITAL ECO
Your affordable supplementary inpatient hospital insurance with free choice of hospital anywhere in Switzerland. Stay in a multi-bed room (general ward) with supplementary insurance benefits, such as contributions to convalescent treatments or household help.
Insured benefits
With HOSPITAL ECO supplementary hospital insurance, you receive the following benefits in addition to statutory benefits covered by basic insurance:
Hospital stays
HOSPITAL ECO supplementary hospital insurance covers all the costs* of a stay, care and treatment in a general ward (multi-bed room).
*Minus deductible, excess, hospital cost contribution and benefits covered by compulsory basic insurance
Choice of hospital
You are free to choose the hospital you want anywhere in Switzerland.
Please note: some institutions do not have a recognised general ward. As a result, you may have to pay for some costs yourself.
What does basic insurance cover?
Basically you are free to choose any hospital in Switzerland that is on a cantonal hospital list (“listed hospitals”). If the hospital is on the list of hospitals in your canton of residence, the costs of a stay, care and treatment in a general ward (multi-bed room) are covered. This applies to emergencies or medically necessary treatments that are not offered in your canton of residence. However, if for personal reasons you receive treatment in a hospital outside of your canton, which is not included on the list of hospitals in your canton of residence, basic insurance only covers the amount that would be reimbursed in your canton of residence (basic rate). If the tariff for the hospital you select is higher, then you must pay the additional costs yourself.
Planned and unplanned treatments abroad (inpatient)
For planned or unplanned inpatient treatments abroad you receive up to CHF 500 per day for up to 60 days per calendar year. This means you can pay any costs for unplanned treatments abroad that exceed the benefits covered by basic insurance. If you plan a treatment abroad, you can use this financial support to offset the costs of treatment, provided that you have obtained approval of the costs from us in advance.
What does your basic insurance cover?
Within the EU/EFTA/UK the costs of unplanned treatments abroad are paid in accordance with the maximum amount specified by law in the respective country in which you are staying. In other countries, it covers a maximum of twice the cost of the same treatment had it been provided in Switzerland (tariff of the canton of residence). However, in many countries this amount is not nearly sufficient to cover the costs of treatment.
It does not cover the cost of planned treatments abroad.
Balneotherapy
You receive CHF 30 per day for up to 30 days per calendar year for inpatient balneotherapies in Europe.
Requirements
- The spa treatment is medically certified.
- The spa treatment is prescribed for you by a doctor for at least 14 days.
- The balneotherapy is carried out at a therapeutic spa recognised by the Swiss Health Insurance Act (KVG). To find out which therapeutic spas are recognised by us, please contact our customer service team.
What does your basic insurance cover?
You receive CHF 10 per day for up to 21 days per calendar year.
Convalescent therapy
You receive CHF 30 per day for up to 30 days per calendar year for convalescent therapies in Switzerland.
Requirements
- The convalescent therapy is prescribed for you by a doctor and is medically necessary.
- The convalescent therapy is carried out at a convalescent facility recognised by us. To find out which convalescent facilities are recognised by us, please contact our customer service team.
What does your basic insurance cover?
Basic insurance does not cover any costs for convalescent therapies.
Spa stay in Bad Zurzach
If you are planning your spa stay in Bad Zurzach, your accompanying person will benefit from free overnight stays in the same room.
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 30 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.
Childcare service must be scheduled via our Emergency Call Centre. You can reach the Emergency Call Centre 24 hours a day on 058 340 16 11.
Childcare service is limited to Switzerland. It is not provided abroad. While you are in hospital, an experienced carer will look after your healthy children aged up to 15 from Monday to Friday. This will enable you to recover in hospital while your children are being looked after at home.
Requirements
- You as a parent need to spend time in hospital as an inpatient.
- As the parent who must be hospitalised, you have taken out HOSPITAL ECO supplementary hospital insurance.
- You allow our Emergency Call Centre to handle every stage of the arrangements.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs. Patients have to pay for the childcare service themselves.
Childcare service must be scheduled via our Emergency Call Centre. You can reach the Emergency Call Centre 24 hours a day on 058 340 16 11.
A professionally trained carer is arranged to care for your sick or injured child aged up to 15 at home in his/her familiar environment. You can then fulfil your professional obligations without any worries. Childcare service is limited to Switzerland. KidsCare is not available abroad.
Requirements
- You have taken out HOSPITAL ECO supplementary hospital insurance for your child.
- You allow our Emergency Call Centre to handle every stage of the arrangements.
Invoice form
Haven’t received a detailed invoice? Please fill out the following invoice form in full and send it to us. You can find the submission options here.
What does your basic insurance cover?
Basic insurance does not cover any costs. You must pay for childcare yourself.
Advantages for persons insured with supplementary insurance
Frequently asked questions
Supplementary hospital insurance allows you to enhance your basic hospital insurance cover for inpatient treatment with benefits of your choice.
Basic insurance reimburses you for the tariff set in your canton of residence for your stay and medical treatment in a general ward (multi-bed room), provided the hospital is on the hospital list in your canton of residence or for medical reasons you require treatment in an out-of-canton hospital. You must pay for all extra benefits yourself – such as household help following an acute hospital stay or childcare while you are recovering in the hospital. That is why these supplementary benefits give financial peace of mind.
Basically you are free to choose the hospital you want anywhere in Switzerland. However, some hospitals and clinics do not have a (recognised) general ward. This means that costs may be incurred at such places, which you will still have to pay yourself even if you have ECO supplementary hospital insurance.
So please ask us before you are hospitalised, whether we will cover all the costs of your hospital stay.
Yes, on request you can change from a general to a semi-private or private ward for individual hospital stays. HOSPITAL ECO does, however, reimburse the following percentages of these additional costs:
- 40% for an upgrade from a general to a semi-private ward
- 20% for an upgrade from a general to a private ward
You must reside in Switzerland (official place of residence) and have an accepted health declaration in order to take out the insurance.
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year.
You can terminate the insurance on 31 December of each year and switch to another health insurance company in Switzerland. Three months’ notice of termination must be given. Notice of termination must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of termination must reach us by no later than the last working day in November.
waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
There is a waiting period of 365 days for maternity benefits. That means you cannot claim these benefits before the end of the first insurance year. Your maternity stay in a hospital in the first year would only be covered through basic insurance – for childbirth and postpartum, for instance. You receive the costs of a stay, care and treatment in a general ward (multi-bed room) based on the tariff in your canton of residence.
However, you are covered from the start of insurance for benefits paid as a result of illness or accident.
- For two or more family members insured under the same contract, we grant a family discount of 5% on this and other supplementary insurances; for three or more insured family members, the discount is 10%.
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Other supplementary insurance
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