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.
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.