HOSPITAL Private
Your supplementary inpatient hospital insurance with Swiss-wide coverage in the private ward (individual room) at hospitals and with doctors recognised by Helsana, including your free choice of doctor and attractive supplementary insurance benefits.
Insured benefits
With HOSPITAL Private supplementary hospital insurance, you receive the following benefits in addition to those covered by basic insurance:
The expert second opinion works along the lines of the "two heads are better than one" principle. Leading Swiss specialists review a diagnosis that has already been issued or a therapy that has been prescribed. In the event of a serious illness or injury, this opinion can help you to decide what is the best therapy for you.
Expert second opinion in the event of illness
You are entitled to receive medical second opinions from renowned professors and specialists at our partner clinics.
Expert second opinion after an accident
If accident cover is included in your policy, you can also request the advice of leading accident surgeons at the Zurich University Hospital and, if necessary, receive treatment from them.
What does your basic insurance cover?
Your basic insurance does not entitle you to an expert second opinion.
It often takes longer to schedule an appointment with a specialist. Fast Track lets you obtain appointments with specialists and consultants and provides special consultation times within just five working days. This service is available at our specialist partner clinics.
What does your basic insurance cover?
Basic insurance does not provide fast-track access to the medical services provided by our specialist partner clinics.
Emergency treatment abroad (inpatient)
In the event of emergency inpatient treatment abroad, you will receive all of the costs, provided return transportation to Switzerland is not feasible.
What does your basic insurance cover?
Within the EU/EFTA/UK the costs are paid in accordance with the basic rate of the respective country. 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.
Planned treatment abroad (inpatient)
You will be reimbursed for the full cost of planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us. The Swiss Health Insurance Act applies as the basis for cost reimbursement.
What does your basic insurance cover?
Basic insurance does not cover any costs. You are responsible for the costs of a planned treatment abroad.
Hospital stays
HOSPITAL Private supplementary hospital insurance covers all the costs of a stay, care and treatment in a private ward (individual room).
What does your basic insurance cover?
You will be reimbursed only for the costs of a stay, care and treatment in a private ward (individual room).
Personal hospital support
Are you facing inpatient hospital treatment? Thanks to your HOSPITAL Private supplementary hospital insurance, you can benefit from personal advice from a specialist free of charge. In thorough consultations, they will help you with any questions you may have before, during and after your hospital stay. These may be about topics such as costs, admission formalities, organising transport to or from the hospital or support options at home.
Choice of hospital
You are free to choose the hospital you want anywhere in Switzerland.
Please note that if you stay in hospitals that are not recognised by Helsana, you must pay for the costs yourself.
What does your 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.
Choice of doctor
You have an unrestricted choice of doctor in any hospital recognised by Helsana in Switzerland. This means you can have the head physician operate on you, for example.
Please note: if you choose an attending physician that is not recognised by Helsana, you must pay for the costs yourself.
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 200 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.
Spa treatment
You receive CHF 200 per day for up to 21 days per calendar year for inpatient balneotherapy 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 200 per day for up to 21 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.
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 Private 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.
Childcare service is limited to Switzerland. KidsCare is not available abroad. 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.
Requirements
- You have taken out HOSPITAL Private 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?
Costs are not covered by basic insurance. You must pay for childcare yourself.
You receive CHF 200 per day for up to 15 days in a calendar year for accommodation (including meals) in the hospital of an accompanying person closely connected to you (e.g. partner, parents or other close relatives).
What does your basic insurance cover?
Basic insurance does not cover the costs of rooming in.
For a home birth or a delivery in a hospital or birthing centre on an outpatient basis, you receive a one-time lump sum on birth of CHF 3,000.
There is a waiting period of 365 days for maternity benefits from the start of insurance.
What does your basic insurance cover?
No benefits from the basic insurance. The mother does not receive any maternity allowance on giving birth.
You receive up to CHF 500 per calendar year when receiving inpatient treatments for travel costs to and from the hospital in Switzerland against submission of receipt (official taxi, Red Cross vehicle or public transport).
What does your basic insurance cover?
The basic insurance contributes to the costs of medically indicated ambulance transport and rescue.
If, during your hospital stay, you stay in a general or semi-private ward instead of a private ward, you are entitled to lump-sum compensation of CHF 3,000 or 1,000 respectively. If you have arranged a deductible, this will be deducted.
Requirement: Hospital stay of at least three nights. The claim for a refund must be submitted to Helsana.
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 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.
You must reside in Switzerland (official place of residence) and have an accepted health declaration in order to take out the insurance.
A 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.
Are you facing inpatient hospital treatment? In thorough consultations, our advisors will be happy to help you with any questions you may have before, during and after your hospital stay. These may be about topics such as costs, admission formalities, organising transport to or from the hospital or support options at home.
Basically you are free to choose the hospital you want anywhere in Switzerland. However, certain hospitals and clinics are not recognised by Helsana. As a result, you may have to pay for some of these costs yourself.
So please ask us before you are hospitalised, whether we will cover all the costs of your hospital stay.
List of hospitals and attending physicians without full cost coverage
Free choice of doctor at the hospital means that you are allowed to choose your attending physician at a hospital recognised by Helsana. This means you can have the head physician operate on you, for example.
Please note: if you choose an attending physician that is not recognised by Helsana, you must pay for the costs yourself.
List of hospitals and attending physicians without full cost coverage
If you want to see an ophthalmologist, orthopaedic surgeon or other specialist, you often have to wait months for an appointment. Fast Track enables you to obtain an appointment with a consultant or specialist at one of our partner clinics within just five working days.
When facing a serious illness such as cancer, for example, you can have your diagnosis and recommended treatment reviewed by a leading specialist. This expert will be one of the leading specialists in their field in Switzerland. He or she will assess whether the treatment is in line with state-of-the-art medicine and meets your needs. This second opinion gives you more insight and information for a more considered decision.
- You can choose to take out this Supplementary Hospital Insurance policy with a choice of annual deductible (annual excess amount that you pay towards the costs incurred). By doing this, you assume part of the costs and can reduce your premiums by up to 35%. Please note that if you wish to reduce or remove an agreed deductible, this contract amendment is dependent on our medical examination and may therefore also be rejected.
- 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%.
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.
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Note
We no longer offer the following supplementary hospital insurance. You can find information about these products in the respective insurance conditions:
Other supplementary insurance
You may also be interested in the following supplementary insurance:
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