Overview of insurance products

Optional supplementary insurance

Hospital insurance for inpatient treatment

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HOSPITAL PLUS BONUS (semi-private ward)

HOSPITAL PLUS BONUS supplementary insurance offers you semi-private hospital cover. You have a free choice of hospital and doctor, and enjoy plenty of comfort and privacy in a double room. At the same time, you benefit from numerous supplementary benefits on top of your basic insurance.

You are granted a no-claims bonus if you do not claim any benefits within a certain period of time. The no-claims bonus system can reduce your premium by as much as 20%.

Insurance benefits

The following insurance benefits in addition to those provided under statutory basic insurance are provided by the semi-private supplementary hospital insurance HOSPITAL PLUS BONUS:

Hospital stays in Switzerland Semi-private – anywhere in Switzerland

Hospital stays

You receive all the costs of a stay, care and treatment in a semi-private ward (two-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) semi-private ward; in such cases, you may incur costs for which you alone will be responsible.

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. For example, you can even choose to be operated on by the head physician.

What does basic insurance cover?

Patients are not allowed to choose the hospital doctor themselves.

Details about basic insurance >

Hospital stays abroad CHF 1,000 per day

Emergency treatment abroad (inpatient)

In the event of emergency inpatient treatment abroad, you will receive up to CHF 1,000 per day for up to 60 days per calendar year for costs that exceed the cover provided by basic insurance.

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 up to CHF 1,000 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 >

Expert second opinion Inclusive

The expert second opinion works along the lines of the "two heads are better than one" principle. Leading specialists in Switzerland will review an existing diagnosis or a therapy that has been prescribed for you. In the event of severe illness or injury, this can help you come to a decision on the best course of therapy for you.

Expert second opinion in the event of illness

Where necessary, you receive direct access to distinguished professors and specialists at our partner clinics to obtain an expert second opinion.

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.

Further information

What does basic insurance cover?

The basic insurance generally does not provide direct access to distinguished professors and specialists at our partner clinics to obtain an expert second opinion.

Details about basic insurance >

Fast Track Inclusive

You benefit from swift access to the medical services provided by our specialist partner clinics: With Fast Track, you can obtain appointments with specialists and consultants, as well as for special consultations, within just five working days.

Further information

What does basic insurance cover?

The basic insurance does not provide swift access to the medical services provided by our specialist partner clinics.

Details about basic insurance >

Balneotherapy and convalescent therapy CHF 60 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 60 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 60 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 60 per day

Following an acute inpatient hospital stay, you will receive CHF 60 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 >

Intensive and transitional care CHF 120 per day

You will receive CHF 120 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 >

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FAQs

Answers to frequently asked questions about HOSPITAL PLUS BONUS semi-private 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.

How does the bonus system work?
  • Your basic premium is fixed on 1 January of each insurance year.
  • An observation period lasts from 1 July to 30 June. If you do not claim any benefits in two consecutive observation periods, your premium will be reduced effective from 1 January of the third year in accordance with the bonus table below.
  • If you claim benefits during an observation period, your premium will be increased again to the level of the original premium effective from 1 January of the following year.
  • You can regain your bonus by repaying, by 30 September, any benefits you received in the preceding observation period.
Insurance period Bonus in % of basic premium Bonus level
1st year: basic level 0% 4
2nd year: one claim-free observation period 0% 3
3rd year: two claim-free observation periods 10% 2
4th year: three claim-free observation periods 15% 1
from 5th year: four or more claim-free observation periods 20% 1

What exactly does free choice of doctor mean?

Free choice of doctor at a hospital means that you can, for example, arrange for the head physician to do your operation.

Darf ich in jedes Spital der SchwCan I choose any hospital in Switzerland?eiz gehen?

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

How does Fast Track work?

If you want to see an ophthalmologist, orthopaedic surgeon or other specialist, you sometimes have to wait months for an appointment. This can be stressful.

Our Fast Track service shortens this waiting time. You will get an appointment with a consultant or specialist in our partner hospitals within just five working days.

Details about Fast Track >

What are the benefits to me of an expert second opinion?

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, a leading Swiss specialist in the given field, assesses whether the treatment is in line with the latest medical developments and meets your particular needs. With this second opinion, you have a better overview of your situation and can base serious and far-reaching decisions on better information.

Details about the expert second opinion >

Can I upgrade to a private ward if required?

Yes, on request you can change from the semi-private ward to a private ward for individual hospital stays. The additional costs incurred will then be charged to you. HOSPITAL PLUS BONUS does, however, reimburse 75% of these additional costs.

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 aged between 50 and 70 when you take out the insurance.
  • 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?

You can take out this supplementary hospital insurance policy with a higher deductible (annual excess amount that you pay towards the costs incurred). By doing this, you take on more responsibility and can reduce your premiums by up to 35%.

Details about the hospital deductible>

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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