HOSPITAL FLEX

Flexible supplementary hospital insurance with a free choice of ward on a case-by-case basis (with co-payment). You have an unrestricted choice of doctor in any hospital in Switzerland if you stay in a semi-private or private ward.

  • Free choice of hospital throughout Switzerland
  • Free choice of ward
  • Free choice of doctor in semi-private and private wards

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HOSPITAL FLEX
HOSPITAL FLEX 1
General ward: you receive the costs in full. Semi-private ward: you pay 35% of the costs. Private ward: you pay 50% of the costs.
HOSPITAL FLEX
HOSPITAL FLEX 2
General ward: you receive the costs in full. Semi-private ward: you pay 20% of the costs. Private ward: you pay 35% of the costs.

Insured benefits

With HOSPITAL FLEX supplementary hospital insurance, you receive the following benefits in addition to statutory benefits covered by basic insurance:

You are free to choose your ward every time you stay in hospital.

You receive up to CHF 500 (HOSPITAL FLEX 1) or CHF 1,000 (HOSPITAL FLEX 2) per day for emergency and planned treatments abroad.

If you have to be admitted to hospital as an inpatient, you receive up to 30 hours of nanny services per calendar year. 

You receive up to CHF 500 (HOSPITAL FLEX 1) or CHF 1,000 (HOSPITAL FLEX 2) per birth.

You receive up to CHF 100 per day, for up to 21 days per calendar year, for balneotherapy and convalescent therapy.

You receive up to CHF 50 per day for up to 30 days per calendar year for household help.

You will receive CHF 100 per day for up to 14 days per calendar year for the costs of room and board while you receive inpatient acute or transitional care in a nursing home.

Please note that you will only receive contributions towards convalescent treatment, household help, the nanny service, and acute and transitional care if you have also taken out the FLEX supplementary model.

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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 only 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.

HOSPITAL FLEX is ideal for those who want to be able to choose the type of ward each time they go to hospital. The selected type of ward then determines the room comfort and additional services:

  • For minor operations a hospital stay in the general ward is usually sufficient. Then you do not have to pay any additional costs.
  • For longer hospital stays you may prefer to have a quieter space with more privacy. In this case, for an additional charge (co-payment) you can choose a semi-private (double room) or private ward (individual room).
  • You may want to have certain operations performed by a specific doctor – for example when highly complex surgery is needed. However, the free choice of doctor is only available in a semi-private or private ward.

HOSPITAL FLEX is so favourably priced because you only pay for what you actually need.

If you only want to cover expensive hospital costs, just take out the main module in the variant FLEX 1 or FLEX 2. If you also want contributions paid towards convalescent treatments, household help and other supplementary benefits, however, you can also take out the FLEX supplementary module.

With HOSPITAL FLEX supplementary hospital insurance, you do not pay for hospital costs if you stay in a general ward. 

If, on the other hand, you decide on a semi-private or private ward, you have to contribute towards your hospital costs:

Semi-private ward
  • FLEX 1 variant: 35% cost contribution up to CHF 3,000 per calendar year
  • FLEX 2 variant: 20% cost contribution up to CHF 2,000 per calendar year
Private ward
  • FLEX 1 variant: 50% cost contribution up to CHF 9,000 per calendar year
  • FLEX 2 variant: 35% cost contribution up to CHF 4,000 per calendar year

No. The free choice of doctor only applies to hospital stays in a semi-private or private ward. This means that if you select the general ward you cannot choose the doctor who operates on you. 

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Other supplementary insurance

You may also be interested in the following supplementary insurance:

HOSPITAL Semi-Private

Semi-privately insured at hospital: Double room and free choice of hospital throughout Switzerland.

HOSPITAL Private

Privately insured at hospital: Your own room and free choice of hospital throughout Switzerland.

HOSPITAL EXTRA

Hospital daily allowance insurance to cover extra hospitalisation costs.

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