HOSPITAL FLEX
HOSPITAL FLEX is the flexible supplementary hospital insurance for inpatient treatment: you only select your ward upon admission – be it general with full cost coverage, semi-private or private. You also have a free choice of doctor at our recognised hospitals.
Insured benefits
With HOSPITAL FLEX flexible supplementary hospital insurance, you have general, semi-private or private hospital coverage for inpatient treatment – to suit your needs. You also receive valuable supplementary insurance benefits.
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 50 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.
Please note: the convalescent therapy, household help, nanny service, and acute and transitional care benefits are only covered under the supplementary module. You can select this in the premium calculator or in your offer.
Frequently asked questions about flexible supplementary hospital insurance
HOSPITAL FLEX hospital insurance supplements your basic insurance during a hospital stay. Basic insurance 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 beyond this is only provided if medically necessary.
FLEX hospital insurance gives you more freedom: you only select your ward once you have been admitted to hospital. Choose from general, semi-private or private – depending on your situation and needs. All you have to pay is a fixed share of the costs, allowing you to remain flexible and save on premiums compared to traditional semi-private or private supplementary insurance.
HOSPITAL FLEX also covers benefits over and above basic insurance, like contributions towards hospital costs abroad. If you add the supplementary module, your coverage additionally includes convalescent treatments, household help, childcare, and acute and transitional care following a hospital stay to lighten the financial load.
HOSPITAL FLEX is ideal if you want to be able to choose your ward each time you go to hospital. Your selected type of ward then determines the room comfort and additional services:
- For minor operations, a hospital stay in a general ward is usually sufficient. FLEX covers these costs throughout Switzerland.
- 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 (two-bed room) or private ward (single room).
- You may want to have certain operations performed by a specific specialist – 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 affordable because you only pay for what you need. If you only want to cover expensive hospital costs, just take out the FLEX 1 or FLEX 2 variant of the main module. If you would also like contributions towards convalescent therapy, household help and other supplementary insurance benefits, add the FLEX supplementary module. You can select this in the premium calculator.
HOSPITAL FLEX covers hospital stays in a general ward across Switzerland. We will cover the additional costs outside your canton of residence that are not covered by your basic insurance.
If you opt for a hospital stay in a semi-private or private ward, your co-payment is as follows:
Hospital upgrade to a semi-private ward
- FLEX 1 variant: 35% co-payment up to CHF 3000.– per calendar year
- FLEX 2 variant: 20% co-payment up to CHF 2000.– per calendar year
Hospital upgrade to a private ward
- FLEX 1 variant: 50% co-payment up to CHF 9000.– per calendar year
- FLEX 2 variant: 35% co-payment up to CHF 4000.– per calendar year
Example:
Under FLEX 2, you would have to pay a maximum of CHF 2000.– per year yourself for an upgrade from a general to a semi-private ward. A deductible, excess and hospital cost contribution (CHF 15.– per day) continue to apply to medical benefits covered by basic insurance.
No. The free choice of doctor only applies if you have opted for a flexible upgrade for your hospital stay 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.
With HOSPITAL FLEX, you have a free choice of hospitals anywhere in Switzerland. However, certain hospitals or their wards and tariffs are not recognised by Helsana. As a result, you may have to pay for these costs yourself.
You should therefore clarify the cost coverage with us before your hospital stay.
Hospitals and attending physicians without full cost coverage
You can take out this supplementary hospital insurance if you meet the following criteria:
- Your official place of residence is in Switzerland.
- You are under the age of 70 when you take out the policy.
- We assess supplementary insurance on a case-by-case basis using a health questionnaire. If our assessment is positive, you will receive a letter of acceptance. If you have pre-existing conditions, the insurance may exclude certain treatments.
No. Generally, it is not possible to upgrade your hospital room alone, as the room is linked to the ward you have chosen. If you opt for a two-bed or single room, you are upgraded to a semi-private or private ward. This not only enhances your comfort, but also comes with additional benefits such as a free choice of doctor.
An upgrade to a semi-private or private ward can quickly cost several thousand francs. Without supplementary insurance, you would have to cover these costs yourself. Why flexible supplementary hospital insurance is worth it:
- You have the flexibility to move to a superior ward.
- You pay a fixed co-payment.
- The premium is lower than for traditional semi-private or private insurance
If comfort during every hospital stay is important to you, HOSPITAL Semi-Private (two-bed room) or HOSPITAL Private (single room) would be better for you.
Advantages for supplementary insurance policyholders
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