Valuable supplementary insurance worldwide, from semi-private to private ward
Opt for more freedom in your choice of hospital and doctor, for more comfort and for preferential access to top medical care by taking out a Hospita Semi-Private or Private hospitalisation insurance plan or a BestMed worldwide private insurance plan.
What does basic insurance pay for in the event of a hospital stay?
Basic insurance covers the following costs in the event of a hospital stay:
- Hospital stay: General ward in hospitals that appear on the hospital list for the canton where you live or are currently located, in accordance with the tariff for the canton of residence
- Emergency and medically indicated transport, as well as search and rescue operations:
- 50%, up to CHF 500, towards medically indicated transport
- 50%, up to CHF 5000, towards emergency transport to Switzerland
- Treatment abroad: Costs covered in emergencies up to double the rate based on the recognised tariff for Switzerland or as per bilateral agreement with the EU and EFTA
You always pay your own excess and deductible. This gives rise to significant gaps in your cover. Supplementary hospitalisation insurance from SWICA closes these gaps in a targeted manner, giving you more comfort, a free choice of hospital and preferential access to cutting-edge medicine.
Benefits included in supplementary hospitalisation insurance
The individual supplementary hospitalisation insurance plans include different benefits, with varying contributions towards costs. The benefits include:
Free choice of hospital and doctor
Admission to the private or semi-private ward
Emergency transport and transfer
Additional contributions towards the costs of search and rescue operations, and repatriation
Additional contributions towards the costs of treatment abroad
Additional contributions towards the costs of convalescence and medical spa treatments
Additional contributions towards the costs of domestic help and home nursing care
Sit back and relax in your golden years
With most health insurers, the premiums for supplementary insurance increase noticeably every five years. This often results in a high financial burden in old age – precisely when you need the best possible cover. By basing its rates on your age when you first take out your Hospita supplementary hospitalisation insurance, SWICA factors the time you have been insured into the calculation of your premium, rewarding you for your loyalty. This means the earlier you take out hospitalisation insurance, the lower your premiums will be in old age.
The only provider in Switzerland that offsets your costs
Have you already paid an excess or deductible under your basic insurance? We will automatically deduct this amount from the cost of your supplementary insurance. As soon as your payments reach the amount of the co-payment you have chosen, your insurance will immediately kick in – meaning you don’t end up paying twice.
Compare the benefits
Get the protection that is exactly right for you. Our supplementary hospitalisation insurance plans not only supplement your basic insurance when it comes to the free choice of hospital or treating doctor, but also offer more comfort and preferential access to cutting-edge medicine.
SWICA also offers generous supplementary benefits for convalescence and medical spa treatments, as well as for domestic help and home nursing care. You also benefit from additional costs being covered in the event of emergency transport or transfer, as well as search and rescue operations.
All benefits at a glance
Why choose SWICA?
Many health insurers significantly increase the premiums for supplementary insurance plans every five years. This can lead to a noticeable financial burden in old age, which is precisely when you need comprehensive cover. SWICA takes a different approach. Your premiums remain stable in the long term at the rate based on your age at enrolment, because the time you have previously been insured is taken into consideration when calculating them. This means that you benefit from fixed premiums, and are rewarded for your loyalty. If you take out supplementary insurance at an early age, you can permanently secure more favourable conditions – including in your old age.
