Hospital stay

Are you about to go into hospital?

Basic insurance covers essential medical care to restore you to health or keep you healthy. Supplementary hospital insurance gives you greater freedom of choice and a more comfortable room during an inpatient hospital stay anywhere in Switzerland and even some locations abroad.

Well before you're admitted to hospital, check out exactly what insurance cover you have taken out. You can find this information in your policy.

Benefits covered by the insurance

Basic insurance
General - canton of residence

If you have opted for another insurance model, you will receive benefits only subject to the following conditions:

  • BeneFit PLUS Family Doctor option: The stay in hospital is prescribed by your GP or group practice.
  • BeneFit PLUS Telemedicine option: The stay in hospital is prescribed by a doctor at the Centre for Telemedicine.
  • PREMED-24: Before the stay in hospital, you contact the medical advice hotline to receive non-binding health advice.

You receive 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.


HOSPITAL ECO
General – anywhere in Switzerland

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


Product information:
HOSPITAL ECO
HOSPITAL PLUS
Semi-private – anywhere in Switzerland

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


Product information:
HOSPITAL PLUS
HOSPITAL COMFORT
Private – anywhere in Switzerland

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


Product information:
HOSPITAL COMFORT
HOSPITAL FLEX
Flexible choice of ward

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.

Product information:
HOSPITAL FLEX
HOSPITAL PLUS BONUS
Semi-private – anywhere in Switzerland

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


Product information:
HOSPITAL PLUS BONUS
HOSPITAL COMFORT BONUS
Private – anywhere in Switzerland

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


Product information:
HOSPITAL COMFORT BONUS
OMNIA
General – anywhere in Switzerland

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


Product information:
OMNIA