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There are two categories: supplemental outpatient insurance and supplemental hospital insurance (insurance classes).Supplemental outpatient insurance may include additional coverage for alternative medicine, medication not covered by basic insurance and psychotherapy performed by therapists without medical training. Furthermore, there are supplementary insurance products covering:
All of these benefits are usually limited to a certain maximum amount per calendar year.
Supplemental hospital insurance covers inpatient treatment:
Supplemental insurance for semi-private care throughout Switzerland covers the policyholder for a two-bed room. In hospitals, it is usually the senior physician who is responsible for the treatment of semi-privately insured policyholders.
Supplemental insurance for private care throughout Switzerland covers the policyholder for a one-bed room and their free choice of doctor when in hospital. In hospitals, it is usually the chief physician who is responsible for the treatment of privately insured policyholders.
Flex models: version of supplemental hospital insurance. Holders choose a ward upon admission. This supplemental health insurance covers all treatment in the general ward throughout Switzerland; if private or semi-private treatment is desired, patients have to pay a previously specified amount or percentage out of pocket.
Hotel models offer the comfort of a one- or two-bed room without free choice of doctor.
Some insurance models limit the choice of hospitals to a list defined by the insurance company, which leads to lower premiums.
For supplemental health insurance, providers may set their premiums according to risk, i.e. depending on the holder's age and gender. They may also impose provisos.
The supplemental insurance for general ward throughout Switzerland covers any extra costs incurred during a stay at a hospital outside the canton of residence. The new hospital financing regime was implemented on 1 January 2012. Since then, basic insurance and the canton of residence have fully covered hospital treatment in another canton if the hospital in question is on a hospital list and the costs (per-case flat rate) are no higher than they would have been in the canton of residence. If the per-case rate exceeds the corresponding rate in the canton of residence, it has to be paid by the patient or his/her supplemental insurance. This supplement may still be worthwhile for inhabitants of cantons with low hospital costs who wish to be treated in another canton. As before, basic insurance still covers all kinds of treatment that are not available in the canton of residence (transplants, for instance) as well as emergency treatment.