hospita supplementary hospital insurance benefits

Basic insurance only covers the costs of inpatient treatment in the general ward (multiple occupancy room) of hospitals on the cantonal hospital list. hospita supplementary hospital insurance extends your choice to all recognised hospitals throughout Switzerland and offers you the option of staying on a semi-private or private ward. Some hospita options also offer a free choice of doctor.

With hospita flex, you decide which ward you would like to stay on when you’re admitted to hospital. For the higher ward, you contribute to the costs with an excess – but in return you benefit from lower premiums than with purely private or semi-private insurance. More information about cost sharing with hospita flex >

Option	Details
hospita general	Multiple occupancy room Free choice of hospital anywhere in Switzerland
hospita semi-private	Twin room Free choice of hospital anywhere in Switzerland Free choice of doctor
hospita private	Private room Free choice of hospital anywhere in Switzerland Free choice of doctor
hospita flex	Option 1: with semi-private option Multiple occupancy room (100% of the costs) or twin room (75% of the costs with limited cost contribution: CHF 3,000 per calendar year) Free choice of hospital anywhere in Switzerland In a twin room: free choice of doctor Option 2: with semi-private and private options Multiple occupancy room (100% of the costs); twin room (85% of the costs with limited cost contribution: CHF 1,500 per calendar year) or private room (75% of the costs with limited cost contribution: CHF 4,500 per calendar year) Free choice of hospital anywhere in Switzerland In a twin or private room: free choice of doctor Option 3: with private option Multiple occupancy room / twin room (100% of the costs) or private room (80% of the costs with limited cost contribution: CHF 3,000 per calendar year) Free choice of hospital anywhere in Switzerland In a twin or private room: free choice of doctor
hospita global	Private room Free choice of hospital worldwide Free choice of doctor
hospita private accident (supplement)	Private room after an accident Free choice of hospital – anywhere in the world in the event of an emergency, anywhere in Switzerland for the consequences of an accident Free choice of doctor

Basic insurance generally covers the costs of emergency hospital treatment abroad – but with restrictions. With supplementary hospital insurance, you can make sure you don’t have to pay high costs – especially for stays outside the EU/EFTA. Your hospital insurance will cover the costs up to the same amount and for the same hospital ward as in Switzerland (see above under “Hospital stays”).

hospita increases the limited basic insurance benefits (50% with maximum amounts) to 100% unlimited.

Please note: The statutory cost share is incurred for the portion from basic insurance.

Basic insurance does not provide support for home help. hospita offers this benefit if your health, home and family circumstances require it.

If prescribed by a doctor and a hospital stay can be avoided or shortened as a result:

hospita general	up to CHF 20 per day, max. CHF 280 per calendar year
hospita semi-private hospita flex	up to CHF 35 per day, max. CHF 490 per calendar year
hospita private hospita private accident	up to CHF 45 per day, max. CHF 630 per calendar year
hospita global	up to CHF 55 per day, max. CHF 770 per calendar year

Benefits are doubled if the insured person is responsible for caring for at least one child.

Birth

Basic insurance covers many benefits related to pregnancy and childbirth – but with certain limitations. For example, there is no free choice of doctor and hospital and only the stay in a general ward is reimbursed for the days after the birth. However, can you really imagine being with other new mothers and babies in a multiple occupancy room …? You also have to limit your choice of maternity clinic to those on the hospital list. What supplementary hospital insurance offers:

• In hospital: after giving birth in hospital, you benefit from a twin room (semi-private ward) or a private room (private ward) with supplementary hospital insurance – depending on the insured option. The free choice of doctor and hospital also applies in accordance with the hospita option selected. The family room is also particularly useful for the time after the birth – see rooming-in.
• In the maternity clinic: would you like to give birth at a maternity clinic that is not on the hospital list of your canton of residence? hospita covers the following amounts in this context:

hospita general	90% of the costs, max. CHF 1,000
hospita flex hospita semi-private	90% of the costs, max. CHF 2,000
hospita private hospita global	100% of the costs

 

Home help after birth (if prescribed by a doctor)

Not all mothers are fit and have support immediately after giving birth. Sympany provides help: hospital insurance will contribute to home help if prescribed by a doctor – basic insurance does not offer that!
 

After a hospital birth
hospita general	up to 40 per day, max. CHF 560 per birth
hospita flex, hospita semi-private	up to 70 per day, max. CHF 980 per birth
hospita private	up to 90 per day, max. CHF 1,260 per birth
hospita global	up to 110 per day, max. CHF 1,540 per birth
After birth in a maternity clinic
hospita general	up to 60 per day, max. CHF 840 per birth
hospita flex, hospita semi-private	up to 105 per day, max. CHF 1,470 per birth
hospita private	up to 135 per day, max. CHF 1,890 per birth
hospita global	up to 165 per day, max. CHF 2,310 per birth

Rest and recuperation therapy:

Rest and recuperation therapy is not included in basic insurance. Sympany will contribute the following amounts per case towards rest and recuperation therapy at all recognised medical retreats for up to 21 days:

• hospita general: CHF 40 per day
• hospita semi-private, hospita flex: CHF 70 per day
• hospita private, hospita private accident: CHF 90 per day
• hospita global: CHF 110 per day

Spa treatments:

Both basic and supplementary hospital insurance contribute to the costs of medically prescribed spa treatments for a maximum of 21 days per calendar year. While basic insurance generally pays CHF 10 per day, hospita offers higher amounts sometimes and a free choice of recognised medical retreats throughout Switzerland:

• hospita general: CHF 10 per day
• hospita semi-private, hospita flex: CHF 20 per day
• hospita private, hospita private accident: CHF 30 per day
• hospita global: CHF 40 per day

Your child is sick or has had an accident and you have to go to work? No problem. If your child has taken out supplementary hospital insurance with Sympany, you can have them looked after by a specialist. Sympany contributes towards this with

up to CHF 30 per hour, up to CHF 600 per calendar year

This benefit isn’t covered under basic insurance.

Basic insurance only pays for hospital stays for one person who is ill or has suffered an accident and not for family members.

• Rooming-in: if a child or parent has to go to hospital and the child is not yet able to stay there alone or at home, this puts some families in a difficult situation. hospita contributes to the cost of staying with the child in the same hospital room or offers one parent the option of accommodation outside the hospital.

• Family room: many new parents want to spend the first few days together as a family. After an inpatient birth, hospita enables the accompanying parent to stay in a family room.

hospita covers up to CHF 100 per day for both benefits.