HOSPITAL Semi-Private
Your supplementary hospital insurance with full cost coverage in a semi-private ward (double room) including free choice of doctor and hospital from Helsana’s list of recognised hospitals and doctors.
Insured benefits
With HOSPITAL Semi-Private supplementary hospital insurance, you receive the following benefits in addition to statutory benefits covered by basic insurance:
For a home birth or delivery in a hospital or birthing centre on an outpatient basis, you receive a one-time lump sum on birth of CHF 1,500.
What does your basic insurance cover?
Basic insurance does not cover any costs. The mother does not receive any maternity allowance on giving birth.
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 100 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.
You receive up to CHF 250 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 you decide to stay in a general ward rather than a semi-private room before being admitted to the hospital, you will be reimbursed for CHF 1,000. If there is a residual amount from your deductible, it will be debited from there.
Requirement: inpatient hospital stay of at least three nights
Advantages for persons insured with supplementary insurance
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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:
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.
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
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
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 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.
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.
- 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%.
Other supplementary insurance
You may also be interested in the following supplementary insurance:
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