HOSPITAL EXTRA daily allowance insurance pays you an amount of your choice for every day you spend in hospital. You can use this money to pay for household help or childcare or to compensate for loss of income, meaning you don’t have to worry about money while you’re in hospital and can focus fully on your recovery.
- What benefits are covered?
- For whom is this insurance recommended?
- Good to know
- How you can save premiums
- Why do I need hospital daily allowance insurance?
What benefits are covered?
Daily hospital allowanceAgreed daily benefits
If it has been confirmed that you need to be treated in hospital, you will receive, for each day of hospitalisation (including the days on which you are admitted and discharged) up to a maximum of 30 days per calendar year, the contractually agreed daily allowance, which you can use at your full discretion (without any obligation to show how you have spent it) .
- You must be an inpatient at a hospital that is on a cantonal list of hospitals or on our list of KVG contract hospitals.
For whom is this insurance recommended?
- People who want to bridge the financial gaps that can arise during a hospital stay.
Good to know
Who can take out this policy?
You can take out this policy if you meet the following conditions:
- You are officially resident 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 long does the policy run?
- 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 as of 31 December each year. There is a notice period of three months.
- If the premium is adjusted, a shortened notice period of one month applies.
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.
With this insurance, a waiting period of 365 days applies in cases of pregnancy. That means you cannot claim benefits before the end of the first insurance year. The key date is the date of treatment.
By contrast, you are covered from the inception date for benefits paid as a result of illness or accident.
How you can save premiums
Family discountMinimum 5 % discount
Currently, you get the following family discounts on supplementary insurance from the Helsana Group:
- 5% discount if there are two people in the same household
- 10% discount if there are three or more people in the same household
Children’s starting discount50% discount
If you meet the following criteria as a new client of the Helsana Group (Helsana or Progrès), you get a 50% premium discount on supplementary insurance in the first year:
- You are under the age of 18 when you take out the policy.
- You take out basic insurance with us at the same time or have taken it out not more than a year previously.
- Your previous health insurer for compulsory basic insurance is not a member of the Helsana Group.
- At least one adult member of your household has basic insurance in a shared family policy.
After the end of the first year of insurance, the full supplementary insurance premium becomes payable, so the premium statement you'll receive from us for the following year will be for a higher amount.
Why do I need hospital daily allowance insurance?
A stay in hospital as an inpatient can have financial consequences, regardless of whether you are working, running a household or studying. You may need someone to look after your children or keep on top of your housework. Or your hospital stay may result in a loss of income that you need to compensate.
Hospital daily allowance insurance covers this kind of additional expenditure, leaving you free to focus entirely on your recovery without having to worry about money.