Overview of insurance products

Optional supplementary insurance

Hospital insurance for inpatient treatment

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General insurance at hospitals: HOSPITAL ECO

HOSPITAL ECO supplementary hospital insurance gives you the freedom to choose the hospital you want in Switzerland for a very competitive premium. You will be accommodated in a multi-bed room in the general ward of the hospital and will benefit from contributions towards convalescent treatments, household help and other useful additional services on top of your basic cover.

General insurance at hospitals: Free choice of hospital throughout Switzerland and stay in a multi-bed room in the general ward.

Insurance benefits

The following insurance benefits in addition to those provided under statutory basic insurance are provided by the general supplementary hospital insurance HOSPITAL ECO:

Hospital stays in Switzerland General – anywhere in Switzerland

Hospital stays

You receive all the costs of a stay, care and treatment in a general ward (multi-bed room).

What does basic insurance cover?

You receive the costs of the stay, care and treatment in a general ward (multi-bed room).

Details about basic insurance >

Choice of hospital

You are free to choose the hospital you want anywhere in Switzerland.

Please note that some hospitals do not have a (recognised) general ward; in such cases, you may incur costs for which you alone will be responsible.

Further information

What does basic insurance cover?

Basically you are free to choose any hospital you want in Switzerland which is on a cantonal hospital list (“listed hospitals”). But the costs will only be paid up to the amount that is reimbursed in your canton of residence. If you stay in an out-of-canton hospital you may have to pay the excess costs.

Patients are not allowed to choose the hospital doctor themselves.

Details about basic insurance >

Hospital stays abroad CHF 500 per day

Emergency treatment abroad (inpatient)

In the event of emergency inpatient treatment abroad, you will receive up to CHF 500 per day for up to 60 days per calendar year for costs that exceed the cover provided by basic insurance.

Planned treatment abroad (inpatient)

The Swiss Health Insurance Act applies as the basis for cost reimbursement.

You will receive up to CHF 500 a day for up to 60 days per calendar year for planned inpatient treatment abroad if you have obtained a confirmation of cost reimbursement from us in advance.

What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay the costs themselves.

Basic insurance in detail >

Balneotherapy and convalescent therapy CHF 30 per day

Spa treatment

To find out which therapeutic spas are recognised by us, please contact your customer service team.

The duration of benefits for spa and convalescent therapies is 30 days in total.

You receive CHF 30 per day for up to 30 days per calendar year for spa therapies at recognised therapeutic spas in Switzerland.

Conditions:

  • The spa treatment is medically certified as necessary.
  • The spa treatment has been prescribed by a doctor.
  • The spa treatment is carried out at a therapeutic spa recognised by us.
What does basic insurance cover?

You receive CHF 10 per day for up to 21 days per calendar year.

Details about basic insurance >

Convalescent therapy

To find out which therapeutic spas are recognised by us, please contact your customer service team.

The duration of benefits for spa and convalescent therapies is 30 days in total.

You receive CHF 30 per day for up to 30 days per calendar year for convalescent therapies in Switzerland.

Conditions:

  • The convalescent therapy has been prescribed by a doctor.
  • The convalescent therapy is carried out at a therapeutic spa recognised by us.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay the costs themselves.

Details about basic insurance >

Household help CHF 30 per day

Following an acute inpatient hospital stay, you will receive CHF 30 per day for up to 30 days per calendar year for medically prescribed household help.

What does basic insurance cover?

Costs are not covered by basic insurance. Patients who require household help after a stay in hospital have to finance this themselves.

Details about basic insurance >

Nanny service 30 hours

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11.

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

While you are in hospital, an experienced carer will look after your healthy children aged up to 15 years on weekdays. This will enable you to recover in hospital at your leisure, while enjoying peace of mind that your children are being lovingly looked after at home.

Conditions:

  • You as a parent need to spend time in hospital as an inpatient.
  • You took out the insurance for the hospitalised parent (not for the child).
  • You arrange for our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay for this service themselves.

Details about basic insurance >

KidsCare 30 hours

You can reach the emergency call centre 24 hours a day on +41 58 340 16 11.

If your child becomes ill or has an accident, you receive up to 30 hours of KidsCare per calendar year.

A professionally trained carer is arranged within a short time to care for your sick or injured child up to the age of 15 at home in his/her familiar environment. You can then fulfil your professional obligations without worry.

Conditions:

  • You work or are a single parent and work.
  • You took out the insurance for your child (not for the parents).
  • You allow our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay for this service themselves.

Details about basic insurance >

Intensive and transitional care CHF 90 per day

You will receive CHF 90 per day for up to 14 days per calendar year for the costs of boarding (room and board) in a nursing home during inpatient acute and transitional care.

Conditions:

  • Acute or transitional care has been prescribed by a doctor.
  • Your acute or transitional care immediately follows a hospital stay.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients must pay the boarding costs (accommodation and meals in a nursing home) themselves.

Details about basic insurance >

W-P-HOSPITAL-ECO-EN - Praemienwidget

FAQs

Answers to frequently asked questions about HOSPITAL ECO general supplementary hospital insurance:

Why do I need supplementary hospital insurance?

Supplementary hospital insurance allows you to enhance your basic hospital insurance cover for inpatient treatment with benefits of your choice.

Basic insurance covers only the cost of accommodation and medical treatment in a general ward (multi-bed room) in line with the rates in your canton of residence. You have to pay for anything in excess of that yourself, e.g. additional benefits for greater comfort, care or free choice of doctor/hospital – precisely the things that can make a stay in hospital considerably more pleasant.

Can I choose any hospital in Switzerland?

Basically you are free to choose the hospital you want anywhere in Switzerland. However, some hospitals and clinics do not have a (recognised) general ward. This means that such facilities may be subject to additional costs which you will have to pay yourself even if you have general supplementary hospital insurance.

So please ask us before you are hospitalised whether we will cover all the costs of your hospital stay.

Hospitals with limited services (PDF, 117KB)

Can I upgrade to a semi-private or private ward if required?

Yes, on request you can change from the general ward to a semi-private or private ward for individual hospital stays. The additional costs incurred will then be charged to you. HOSPITAL ECO does, however, reimburse the following percentage shares of these additional costs:

  • 40% for an upgrade from the general to a semi-private ward
  • 20% for an upgrade from the general to a private ward
Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You are under the age of 70 when you take out the policy.
  • We accept your application. For the purposes of risk assessment, we require you to fill in a health declaration.
How and when can I terminate 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 policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.

Details about termination >

You can also take out a multi-year policy for three or five years. That way, you benefit from a premium discount and other notice periods apply.

Details about long-term policies >

Is there a waiting period?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

  • For maternity benefits, there is a waiting period of 365 days. That means you cannot claim these benefits before the end of the first insurance year. During the first insurance year, any pregnancy-related stays in hospital – for example for childbirth or postpartum – are covered only by your basic insurance. The latter covers the costs of a stay in a general ward (multi-bed room) and medical treatment in accordance with the standard rate in your canton of residence.
  • However, you are covered from the start of insurance for benefits paid as a result of illness or accident.
Is there a discount? How can I save on premiums?

If you conclude a three or five-year insurance policy, you receive a premium discount of 3% or 5% respectively.

Details about long-term policies >

If you have equivalent accident insurance, you can exclude the accident cover and reduce your premium by 10%.

Details about accident cover exclusion >

For two or more family members insured under the same contract, we grant a family discount of 5% on this and other supplementary insurance; for three or more insured family members, the discount is 10%.

Details about the family discount >

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