Supplementary hospital insurances

General ward for within all of Switzerland:This gives the holder the right to treatment in a general ward in any Swiss hospital he/she desires. Basic health insurance will only cover costs for treatments in general wards in hospitals within the holder's canton of residence.

Semi-private ward within all of Switzerland:This provides the holder with the right to a two-bed room and, generally, treatment by a senior physician.

Private ward within all of Switzerland:This gives the holder the right to a single room and, generally, treatment by the chief physician.

Flex models: Holders choose a ward upon admission. For a general ward within Switzerland, supplementary health insurance will cover all costs, if private or semi-private treatment is desired, patients will have to contribute to additional costs as determined by the provider.

Hotel models: Right to a single or two-bed room without free choice of physician.

Some insurance models limit coverage to certain hospitals, which lowers premiums.

Supplementary health insurance providers may determine premiums according to risk, i.e. depending on the holder's age and sex. They may also object to applications and only offer coverage under certain conditions.