Apart from the usual supplemental hospital insurance types, most health insurance companies also offer so-called hotel insurance. This kind of coverage is intended for policyholders who prefer greater comfort in hospital, but who cannot or do not want to afford the premiums for the private or semi-private ward.
Patients with hotel insurance are accommodated in a one or two-bed room, but do not have free choice of doctors. In a nutshell, the hotel insurance combines the comfort of a private or semi-private insurance with the medical services of the general ward.
If the hospital has no one or two-bed rooms available, the insurer usually offers the policyholder a financial compensation.