Supplementary hospital insurance in the health insurance comparison
General, semi-private, private or Flex: supplementary hospital insurance varies by provider, plan and acceptance conditions. We assess your needs and review suitable options.
VVG note: Supplementary insurance is governed by the Swiss Insurance Contract Act (VVG). Benefits, premiums and acceptance conditions vary by provider and plan. Depending on the product, health questions, waiting periods, benefit limits, exclusions or reservations may apply. A policy becomes binding only after review and acceptance by the insurer.
Compare supplementary insurance
Tell us which supplementary insurance you'd like to look into. We'll compare the options that fit and get back to you with the next steps.
To make the comparison worthwhile, we start by capturing your needs and your current situation.
- Free & non-binding
- Insurer-neutral comparison
- Personal consultation
- Data protection under Swiss FADP
- Who forStep 1: Who for
- BenefitsStep 2: Benefits
- SupportStep 3: Support
- ContactStep 4: Contact
Step 1 of 4 · Who for
VVG note: Supplementary insurance is governed by the Swiss Insurance Contract Act (VVG). Depending on the provider and plan, health questions, waiting periods, benefit caps, exclusions or reservations may apply. A service provided by FINWIWO AG.
What matters with this supplementary insurance
General, semi-private, private or Flex
The hospital class determines, among other things, room comfort, choice of doctor and choice of hospital. Which class suits you depends on your personal situation and your needs.
Free choice of hospital
Semi-private and private plans may provide free choice of hospital throughout Switzerland and treatment by an attending or head physician. The specific conditions depend on the plan.
Health questions possible
Providers may ask health questions, add reservations or reject an application. A personal review is worthwhile.
Check waiting periods
Waiting periods may apply for certain benefits. Checking early is advisable.
What to look out for when reviewing
- Hospital class and comfort
Which comfort and which freedom of choice matter to you? Clarify your needs before the plan.
- Recognised hospitals
Clarify which hospitals and forms of treatment the respective plan covers.
- Acceptance conditions
Health questions, reservations and acceptance age differ by provider and plan.
- Combination with basic insurance
Supplementary hospital insurance complements basic insurance (KVG). Both should be aligned with each other to fit your needs.
A service by FINWIWO AG · non-tied insurance intermediary · free and non-binding
Frequently asked questions
What does basic insurance cover in hospital?
Mandatory basic insurance (KVG) covers a stay in the general ward of a listed hospital in your canton of residence. Added comfort, free choice of hospital outside your canton of residence or treatment by an attending physician are possible through supplementary insurance.
What is the difference between semi-private and private?
Semi-private plans usually provide a two-bed room and treatment by an attending physician. Private plans typically provide a single room and head-physician treatment. The specific benefits, freedoms of choice and conditions depend on the plan.
What are Flex models?
Flex models allow the insured to decide between different classes before a hospital stay. The exact terms differ by provider and plan.
Do health questions and waiting periods apply?
Supplementary hospital insurance is governed by the Swiss Insurance Contract Act (VVG). Providers may ask health questions and include waiting periods. Acceptance is not guaranteed.
When should I take out supplementary hospital insurance?
Supplementary insurance is generally accepted more easily the younger and healthier the applicant is. Existing policies should only be cancelled once a new one has been accepted in writing.
For mandatory basic insurance (KVG), please use our premium calculator. This page concerns supplementary insurance (VVG). A policy becomes binding only after review and acceptance by the insurer.