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Flex model

The Flex model is a version of supplemental hospital insurance. Holders choose a ward upon admission. All costs of treatment in any general ward throughout Switzerland are covered; if semi‑private or private treatment is desired, patients have to pay a previously specified amount or percentage out of pocket.

Examples of out-of-pocket expenses:


Arcosana myFlex Balance hospital insurance
Semi-private ward option 1
at least 20%, max. CHF 2000 per year
Private ward option 1
at least 35%, max. CHF 4000 per year
Semi-private ward option 2
no out-of-pocket expenses
Private ward
at least 35%, max. CHF 2000 per year

Arcosana myFlex Premium hospital insurance
Semi-private ward option 1
no out-of-pocket expenses
Private ward option 1
at least 35%, max. CHF 2000 per year
Semi-private ward option 2
no out-of-pocket expenses
Private ward
no out-of-pocket expenses

Atupri Hospital Combo – Opti 1
Semi-private ward
at least 40%, max. CHF 4000 per year
Private ward
at least 50%, max. CHF 8000 per year

Atupri Hospital Combo – Opti 2
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 30%, max. CHF 4000 per year

Avanex Hospital Flex 1
Semi-private ward
at least 35%, max. CHF 3000 per year
Private ward
at least 50%, max. CHF 9000 per year

Avanex Hospital Flex 2
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

Concordia Libero
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

CSS Standard insurance Plus
Semi-private ward
at least 20%, max. CHF 4000 per year
Private ward
at least 35%, max. CHF 7000 per year

Groupe Mutuel Global Flex
Semi-private ward
at least CHF 400 per day, max. CHF 4000 per year
Private ward
at least CHF 600 per day, max. CHF 5000 per year

Groupe Mutuel H-Bonus
Semi-private ward
at least CHF 100 per day, max. 30 days per calendar year
Private ward
at least CHF 200 per day, max. 20 days per calendar year

Helsana Hospital Flex 1
Semi-private ward
at least 35%, max. CHF 3000 per year
Private ward
at least 50%, max. CHF 9000 per year

Helsana Hospital Flex 2
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

Innova Sanvita Switch (for non-smokers)
Semi-private ward
at least CHF 75 per day, max. 30 days per calendar year
Private ward
at least CHF 200 per day, max. 30 days per calendar year

Innova Activa Switch (for smokers)
Semi-private ward
at least CHF 75 per day, max. 30 days per calendar year
Private ward
at least CHF 200 per day, max. 30 days per calendar year

Kolping Flex
Semi-private ward
at least 35%, max. CHF 2000 per year
Private ward
at least 50%, max. CHF 4000 per year

Maxi.ch Individual (in combination with maxi.zero)
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

ÖKK Flex
Semi-private ward
at least 15%, max. CHF 1500 per year
Private ward
at least 25%, max. CHF 4500 per year

Progrès Hospital Flex 1
Semi-private ward
at least 35%, max. CHF 3000 per year
Private ward
at least 50%, max. CHF 9000 per year

Progrès Hospital Flex 2
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

Sana24 Hospital Flex option 2/4
Semi-private ward
max. CHF 2000 per calendar year
Private ward
max. CHF 4000 per calendar year

Sana24 Hospital Flex option 4/8
Semi-private ward
max. CHF 4000 per calendar year
Private ward
max. CHF 8000 per calendar year

Sansan Hospital Flex 1
Semi-private ward
at least 35%, max. CHF 3000 per year
Private ward
at least 50%, max. CHF 9000 per year

Sansan Hospital Flex 2
Semi-private ward
at least 20%, max. CHF 2000 per year
Private ward
at least 35%, max. CHF 4000 per year

Visana Hospital Flex option 2/4
Semi-private ward
max. CHF 2000 per calendar year
Private ward
max. CHF 4000 per calendar year

Visana Hospital Flex option 4/8
Semi-private ward
max. CHF 4000 per calendar year
Private ward
max. CHF 8000 per calendar year

Vivacare Hospital Flex option 2/4
Semi-private ward
max. CHF 2000 per calendar year
Private ward
max. CHF 4000 per calendar year

Vivacare Hospital Flex option 4/8
Semi-private ward
max. CHF 4000 per calendar year
Private ward
max. CHF 8000 per calendar year

Sympany Flex
Semi-private ward
at least 15%, max. CHF 1500 per year
Private ward
at least 25%, max. CHF 4500 per year

Updated on: 21/02/2014

Some insurers grant a discount to families if all members have a flex model insurance. They limit the maximum amount of coinsurance for all family members living in the same household to a specific amount. Please check directly with the insurance provider if such an option exists and what the maximum amount of coinsurance is.

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