hospita general supplementary hospital insurance

Emergencies and elective treatment in a general ward (multiple occupancy room) at all recognised hospitals throughout Switzerland

Treatment in a multiple occupancy room (general ward) until repatriation is medically possible

• Transport: Increases the limited basic insurance benefits (50% with maximum amounts) to 100% unlimited.
  Please note: The contribution from basic insurance incurs the statutory cost contribution.
• Rescue and recovery: full assumption of costs

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

up to CHF 20 per day, but a maximum of CHF 280 per calendar year;
double this amount for persons looking after children

Birth:

• In a recognised hospital in Switzerland: general ward (multiple occupancy room)
• At a maternity clinic not on the cantonal hospital list: 90% of the costs, but a maximum of CHF 1,000 per birth

Home help:

• After hospital birth (if prescribed by a doctor): up to CHF 40 per day, but a maximum of CHF 560 per birth
• After home or outpatient birth: up to CHF 60, but a maximum of CHF 840 per birth

If prescribed by a doctor:

• Rest and recuperation therapy: CHF 40 per day, up to 21 days per case
• Spa treatments: CHF 10 per day, up to 21 days per calendar year

Recognised recuperation and health spas>

Care and support for sick children up to the age of 12 by a recognised professional, provided that the parent/guardian is gainfully employed during the care period:

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

Up to CHF 100 per day for

• Rooming-in: the option of staying in the same hospital room as the child or for parents to stay in accommodation outside the hospital
• Family room: in the case of inpatient births, the costs of the accompanying parent’s stay in a family room will also be covered

“General insurance” means that treatment in hospital is only covered in the general ward by the health insurance company. Anyone with general insurance will be accommodated in a multiple occupancy room in the hospital. It cannot be established from this whether a person has only taken out basic insurance or supplementary hospital insurance for a general ward.

If you have general insurance but would like to choose a different hospital ward after an accident, you can take out supplementary accident insurance through your employer or with hospita private accident >

Of course, the general ward is also covered by basic insurance. General hospital insurance is still a cost-effective and powerful supplement to your basic insurance, because you can rely on further benefits in hospital or in connection with a hospital stay. At Sympany, this means: free choice of hospital throughout Switzerland, transport and rescue , more choice and higher amounts for a spa treatment and the option of rooming-in.

Apart from the free choice of doctor and comfort (twin or private room), which are not covered by hospita general supplementary hospital insurance, the benefits are the same as with the other hospita options – only the amount of the contributions differs. A comparison of all hospita options >

Yes, a health questionnaire must also be completed for general supplementary hospital insurance. Why is this? Supplementary insurance is voluntary. A health insurer can decide for itself who it accepts for supplementary insurance and who it does not. The information on the health questionnaire (also known as the health declaration) enables the insurer to assess the risk it incurs if it insures a person. If a person is expected to incur high costs, these have to be covered by the premiums of all policyholders – the result: premiums increase for everyone and insurance becomes unattractive for many clients.

Instead of categorically rejecting high-risk individuals, a proviso can also be made. This means that costs may not be covered for certain illnesses. On the other hand, certain diseases (if well controlled) do not present a high risk. This is always assessed on a case-by-case basis.