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Whether you want a general, semi-private or private ward – Sympany’s hospita supplementary hospital insurance policy supplements the benefits of basic insurance wherever it makes sense for you. You can enjoy a free choice of any recognised hospital in Switzerland with every hospita supplementary hospital insurance plan. Do you want to have free choice of ward all the time? hospita flex offers just that. And Sympany also offers the ideal supplementary hospital insurance for absolute privacy, treatment provided by a senior physician and maximum comfort wherever you are in the world.
Free choice of hospital in the general ward of all recognised hospitals in Switzerland
Tip: with hospita flex products, you decide which ward you’d like to stay on when you’re admitted to hospital. By sharing the costs of an upgrade, you benefit from lower monthly premiums.
The benefits of hospita supplement the compulsory benefits of your compulsory basic insurance (according to the Federal Law on Sickness Insurance, KVG). hospita covers at most that part of the total costs that is not covered by your compulsory insurance.
If you now undergo treatment in hospital that is NOT covered by your basic insurance, it will not be covered by your hospita supplementary insurance either.
In an emergency – for example if you suffer a heart attack – there's no time to plan. Just make sure you get to the hospital quickly! Everything else will fall into place. Of course, if you’re having elective treatment (if it’s not so urgent), things look a little different – your attending physician will discuss your stay in hospital with you and pass on all relevant documents to the hospital. The hospital will discuss treatment with you and may ask us to provide a commitment to cover the costs of your stay.
In the case of supplementary insurance under the Federal Law on Insurance Contracts (VVG), the medical insurance risk is evaluated by means of a risk assessment in the event of new insurance or a change in cover. This assessment is carried out on the basis of the information provided in the health declaration, which is part of the insurance application. The insurer can reject applications in the interests of the insurance pool or exclude pre-existing illnesses from the insurance cover (exclusion).