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Optional supplementary insurance

Hospital insurance for inpatient treatment

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HOSPITAL FLEX flexible supplementary hospital insurance

With HOSPITAL FLEX supplementary insurance you are free to choose the ward you want when you go into hospital: costs are always fully covered in the general ward. If you would like more comfort, privacy or a free choice of doctor, you can select a semi-private or private ward for your stay and share the cost up to a set amount.

Flexible supplementary hospital insurance: Free choice of ward on a case-by-case basis (with cost contribution), free choice of hospital anywhere in Switzerland.

Insurance benefits

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

Hospital stays in Switzerland Flexible choice of ward

Hospital stays

In acute-care clinics, there is no time limit on the benefits you receive, while in psychiatric clinics you receive them for up to 180 days per calendar year.

You decide on a case-by-case basis whether you would like to be accommodated and treated in a general (multi-bed room), semi-private (two-bed room) or private (one-bed room) ward. Depending on which type of ward you choose, you pay for part of the costs yourself:

HOSPITAL FLEX 1

  • General: You receive the costs in full.
  • Semi-private: You pay 35% of the costs up to CHF 3,000 per calendar year.
  • Private: You pay 50% of the costs up to CHF 9,000 per calendar year.

HOSPITAL FLEX 2

  • General: You receive the costs in full.
  • Semi-private: You pay 20% of the costs up to CHF 2,000 per calendar year.
  • Private: You pay 35% of the costs up to CHF 4,000 per calendar year.

Depending on which version you opt for, you receive, for "rooming-in", i.e. the accommodation (including meals) in the hospital of an accompanying person closely connected to you (e.g. partner, parents or other close relatives) the following contributions towards costs:

FLEX 1

  • You receive CHF 50 per day for up to 15 days per calendar year.

FLEX 2

  • You receive CHF 100 per day for up to 15 days per calendar year.
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, half-privat and privat 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.

Details about basic insurance >

Choice of doctor

You have an unrestricted choice of doctor in any hospital in Switzerland if you stay in a semi-private or private ward. For example, you can even choose to be operated on by the head physician.

What does basic insurance cover?

Die Patienten können den Spitalarzt nicht selber wählen.

Details zur Grundversicherung >

Hospital stays abroad CHF 500 or CHF 1,000 per day

Emergency treatment abroad (inpatient)

In the event of emergency inpatient treatment abroad, you will receive the following contribution to costs that exceed the cover provided by basic insurance, depending on the option you have chosen.

HOSPITAL FLEX 1

  • You receive up to CHF 500 per day for up to 60 days per calendar year.

HOSPITAL FLEX 2

  • You receive up to CHF 1,000 per day for up to 60 days per calendar year.
What does basic insurance cover?

Within the EU/EFTA the costs are reimbursed 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). In some countries, however, this is nowhere near enough.

Basic insurance in detail >

Planned treatment abroad (inpatient)

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

You will receive the following contribution to costs for planned inpatient treatment abroad, depending on the option you have chosen:

HOSPITAL FLEX 1

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

HOSPITAL FLEX 2

  • You will receive up to CHF 1,000 a day for up to 60 days per calendar year 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 >

Lump sum on birth CHF 500 or CHF 1,000

Home birth

For a home birth you receive the following lump sums on birth, depending on which option you have chosen:

HOSPITAL FLEX 1

  • You receive CHF 500 per birth.

HOSPITAL FLEX 2

  • You receive CHF 1,000 per birth.
What does basic insurance cover?

No benefits from the basic insurance. The mother does not receive any maternity allowance in the case of home births.

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 have selected the optional FLEX supplementary module.
  • 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 >

Balneotherapy and convalescent therapy CHF 100 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 21 days in total.

You receive CHF 100 per day for up to 21 days per calendar year for spa therapies at recognised therapeutic spas in Switzerland.

Conditions:

  • You have selected the optional FLEX supplementary module.
  • 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 21 days in total.

You receive CHF 100 per day for up to 21 days per calendar year for convalescent therapies in Switzerland.

Conditions:

  • You have selected the optional FLEX supplementary module.
  • 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 50 per day

Following an acute inpatient hospital stay, you will receive CHF 50 per day for up to 30 days per calendar year for medically prescribed household help.

This cover is available provided you have also chosen the optional FLEX supplementary module.

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 >

Intensive and transitional care CHF 100 per day

You will receive CHF 100 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:

  • You have selected the optional FLEX supplementary module.
  • 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 >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

Premium calculator

FAQs

Answers to frequently asked questions about HOSPITAL FLEX flexible 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.

When is flexible supplementary hospital insurance recommended?

HOSPITAL FLEX is ideal for those who want to be able to choose the type of ward each time they go to hospital. The type of ward selected then determines the room services/comfort and additional medical benefits.

  • For minor operations, a hospital stay in the general ward is often adequate. Then the patient does not have to pay any additional costs.
  • For longer hospital stays a patient may want more peace and privacy, so they choose a semi-private (double room) or private (single room) ward, at a surcharge (or cost contribution).
  • They may also want to have certain operations performed by a specific doctor – for example when highly complex surgery is needed. But the free choice of doctor is only available in a semi-private or private ward.
Do I need this supplementary module?

HOSPITAL FLEX ist auch deshalb so günstig, weil man nur für das zahlt, was man auch braucht:

  • Wem es lediglich um die Absicherung hoher Spitalkosten geht, schliesst nur das Hauptmodul in der Variante FLEX 1 oder FLEX 2 ab.
  • Wer jedoch auch Kostenbeiträge an Kuren, Haushalthilfen und weitere Zusatzleistungen wünscht, kann zusätzlich das FLEX Ergänzungsmodul abschliessen.
How exactly does this co-payment work?

Hospital stays in the general ward are fully covered by the HOSPITAL FLEX supplementary hospital insurance.

If, on the other hand, you decide on a semi-private or private ward, you have to contribute towards the hospital costs:

Semi-private ward

  • FLEX 1 variant: 35% cost contribution up to CHF 3,000 per calendar year
  • FLEX 2 variant: 20% cost contribution up to CHF 2000 per calendar year

Private ward

  • FLEX 1 variant: 50% cost contribution up to CHF 9,000 per calendar year
  • FLEX 2 variant: 35% cost contribution up to CHF 4,000 per calendar year
With flexible supplementary hospital insurance do I always have a free choice of doctor?

No. The free choice of doctor only applies to hospital stays 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.

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) semi-private or private ward. This means that such facilities may be subject to additional costs which you will have to pay yourself even if you have flexible 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)

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.
  • HOSPITAL FLEX 1: You are under the age of 70 when you take out the policy.
  • HOSPITAL FLEX 2: You are under the age of 50 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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