HOSPITAL ECO
HOSPITAL ECO supplements your basic insurance during inpatient hospital stays. You have a free choice of hospitals across Switzerland, with coverage for a multi-bed room on a general ward. Additional benefits support your recovery.
Insured benefits
You have coverage at the hospital of your choice anywhere in Switzerland. Additional benefits take the pressure off you before, during and after your hospital stay. What HOSPITAL ECO supplementary hospital insurance pays for:
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.
Advantages for supplementary insurance policyholders
Frequently asked questions about hospital insurance covering the whole of Switzerland
Inpatient hospital insurance supplements your basic insurance during a hospital stay. Basic insurance does not offer a free choice of hospitals anywhere in Switzerland: it only covers the tariff in your canton of residence for a general ward (multi-bed room) in a listed hospital in your canton of residence. Coverage outside of this may also be provided if medically necessary, such as in the event of an emergency. You pay for anything beyond this yourself – for example, household help after a hospital stay or a nanny service for your children while you are in hospital. These supplementary insurance benefits lighten the financial load and give you the peace and quiet you need for recovery. For families, supplementary hospital insurance additionally covers childcare for sick or injured children if their parents have to go to work. It’s also worth taking out supplementary hospital insurance if you don’t have children: you will receive contributions towards hospital costs abroad, balneotherapy or inpatient convalescent care and acute and transitional care in a nursing home.
In principle, the supplementary insurance policy gives you a free choice of hospitals anywhere in Switzerland. However, some hospitals do not have a recognised general ward, which may lead to additional costs. These expenses are not always covered by ECO general supplementary hospital insurance.
You should therefore clarify the cost coverage with us before your hospital stay.
Yes, you can switch from a general to a semi-private or private ward for your hospital stay. HOSPITAL ECO reimburses the additional costs of a hospital upgrade to a semi-private or private ward as follows:
- 40% of the cost of an upgrade from general to semi-private
- 20% of the cost of an upgrade from general to private
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).
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Other supplementary insurance products
The following supplementary insurance products may be of interest to you:
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