Supplementary hospital insurance: Negotiating fair prices

When you pay for private or semi-private Supplementary Hospital Insurance, you are covering the costs of a free choice of doctor, additional comforts and accommodation benefits. In concrete terms, the latter translates to a one or two-bed room plus additional care services. We regularly renegotiate the tariffs associated with these benefits with the hospitals. During this process, we advocate fair prices and transparent pricing models, with a view to ensuring that your premiums remain affordable.


Tariff negotiations can temporarily end in an impasse. If no agreement can be reached with the relevant hospital, this results in a so-called unregulated situation for the semi-private or private ward. Depending on the Supplementary Hospital Insurance, this means that as a customer you have to pay some or all of the costs yourself.

Important information for customers with the following Supplementary Hospital Insurance products:

  • HOSPITAL FLEX  (AIC editions January 1, 2012 or 2014)

If a hospital does not have a contract with us, Helsana will cover the financially adequate costs of the additional benefits provided within the framework of the cantonal benefits mandate. If such additional benefits are provided outside the cantonal benefits mandate, we will not cover costs from either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. The costs of any uneconomical treatment will not be covered. We reserve the right to check the details of the invoiced benefits and prices. Please note the following list.

  • HOSPITAL Semi-Private or
  • HOSPITAL Private
  • HOSPITAL FLEX (AIC edition January 1, 2025)

If a hospital has not signed a contract with us, we will not assume any costs for an inpatient stay from Supplementary Hospital Insurance. In order to ensure that no uncovered costs arise, we will be happy to advise you and point out the possibility of being treated at other hospitals nearby. In order to ensure that no unregulated situation exists where your preferred hospital is concerned, please examine the following list:

Helsana KVG contract hospitals

The hospitals included on the following list are Helsana KVG contract hospitals, and the associated range of benefits is also specified. Cost coverage exists for them arising from the above-mentioned Supplementary Hospital Insurance products subject to the valid Insurance Conditions and without any statement to the contrary:


It is important to Helsana to stabilise and maintain benefit costs and thus also premiums. In order to ensure that this is the case, Helsana consistently negotiates with hospitals. That is why Helsana has decided that it will only conclude contracts with hospitals which do not generate above-average costs where Helsana patients are concerned. Helsana strives to conclude contracts for semi-private and private wards with all hospitals which work well and efficiently. An unregulated situation only arises in exceptional circumstances, specifically if multilevel negotiations fail.

If an insured person gets into a situation where they have to finance some or all of the costs in spite of their Supplementary Hospital Insurance, it is understandable that it can be perceived like this. However, in order to avoid tariffs which in our opinion are exorbitant and soaring costs, Helsana must be a tough negotiating partner. Unregulated situations are an important bargaining chip in these negotiations.

It varies. An unregulated situation is undesirable for both the insurance company and the hospital. The insurance company annoys customers affected and the hospital loses important income. Both sides therefore try to find a solution as quickly as possible. However, as the positions of the opposing parties often become entrenched, experience has shown that such a situation can persist for between two and six months, and even longer in rare cases.

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