Your insurance with a hospital daily allowance for a worry-free recovery. If you stay in hospital, you are entitled to up to CHF 300 per day. This will help you to cover additional costs or reduce your loss of income.
In addition to the statutory benefits under basic insurance, HOSPITAL EXTRA Hospital Daily Allowance Insurance provides the following benefits:
In the case of inpatient hospitalisation prescribed by a doctor, you receive a fixed amount (CHF 50, 100, 150, 200 or 300) per day in hospital for up to 30 days per calendar year (incl. day of admission and departure). There is no obligation to provide proof. You are free to use the hospital daily allowance as you wish. It can be used, for example, to pay for household help or childcare, or to make up for loss of income.
The inpatient stay takes place in a hospital that is listed on the cantonal hospital lists or on our list of KVG contract hospitals.
Basic insurance covers only the cost of accommodation and medical treatment in a general ward in line with the rates in patients' canton of residence. Patients themselves have to pay for any further benefits.
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 yourself must pay for any further benefits – for example, a single room for more comfort, household help during your recovery, or the additional costs of treatment in a hospital of your choice outside your canton. These extra benefits make a stay in hospital much more pleasant and provide financial relief during and after inpatient accommodation.
No, such proof is not needed. You are free to dispose of the hospital daily allowance just as you like.
No, you must be an inpatient in a hospital listed on the cantonal hospital lists or on our list of KVG contract hospitals.
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 cancel the insurance with effect from 31 December of each year and switch to another health insurance company in Switzerland. Three months' notice of cancellation must be given. Notice of cancellation 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 cancellation 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.
However, you are covered from the start of insurance for benefits paid as a result of illness or accident.
You may also be interested in the following supplementary insurance:
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