SWICA Flex Private hospitalisation insurance is right for you if
you would like to be able to decide whether you prefer the general, private or semi-private ward before any hospital stay
having a free choice of doctor in the private or semi-private ward is important to you
you value exclusive comfort such as a single room and personal care provided by senior consultants
you would like preferential access and short waiting times for elective surgery
you would like to take advantage of generous additional benefits and financial support for convalescence cures and medical spa treatments
Flex Private hospitalisation insurance versus the hospitalisation benefits provided by basic insurance: how to optimise your care and service
- With SWICA’s Hospita Flex Private hospitalisation insurance, you have a free choice of whether you wish to be admitted to the general, private or semi-private ward before any hospital stay. You benefit from a free choice of hospital and doctor, comfort in a single room if you opt for it, and personal care provided by senior consultants. Individual support, preferential access for elective treatments and exclusive additional benefits boost your wellbeing.
- Basic insurance covers the costs of medically necessary hospital stays in the general ward, but usually only in the canton where you live. The freedom to choose a hospital anywhere in Switzerland, as well as more extensive benefits and personalised care, are not covered by basic insurance or are covered to a limited extent.
SWICA’s Hospita Flex Private hospitalisation insurance benefits in detail
The table below shows how the benefits of the Flex Private hospitalisation insurance can optimise and complement your basic insurance.
| Benefits under basic insurance (Standard and Favorit plans) | Benefits under Hospita Private hospitalisation insurance (free choice of doctor and hospital throughout Switzerland, with privacy in a two-bed or single room) | |
|---|---|---|
| Hospital stay | General ward in hospitals included in the hospital list for the canton of residence or current location, in accordance with the tariff for the canton of residence Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Free choice of hospital ward (general, private or semi-private) before any hospital stay. Full cover in the general, private and semi-private wards of public and private hospitals in Switzerland and Liechtenstein [[tooltip::Hinweis-Spital]]. Choice before any hospital stay: - General: no deductible |
| Maternity | - No co-payments for maternity benefits in accordance with statutory benefits regulations - No co-payments for the treatment of illnesses from the 13th week of pregnancy up to and including the 8th week after the birth | Additional costs for the newborn during the mother’s post-natal recovery, the same as the mother’s cover |
| Home help | +CHF 40/day, up to 60 days per year | |
| Home nursing care | Advice, treatment and basic care provided by recognised service providers Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 80/day |
| Medical spa treatments | CHF 10/day, 21 days a year Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 100/day, up to 30 days per year |
| Convalescence cures | +CHF 100/day, up to 30 days per year | |
| Emergency and medically indicated transport, search and rescue operations, and repatriation | - 50% up to CHF 500 towards medically indicated transport Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. - 50% up to CHF 5000 towards emergency transport in Switzerland Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | - Emergency transport and transfers: - Search and rescue operations, repatriation: |
| Treatment abroad | Costs covered in emergencies up to double the rate based on the recognised rate for Switzerland or as per bilateral agreement with EU/EFTA countries Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 150/day and CHF 30 000 per year for treatment costs |
How to supplement your SWICA Hospita Flex Private hospitalisation insurance
SWICA offers a range of supplementary insurance plans to add to the cover provided by your hospitalisation insurance.
Example: Hospitalisation insurance rate increases
Most health insurers significantly increase the premiums for supplementary insurance every five years, which can result in a major financial burden in old age. By using the rate based on your age when you enrol to calculate your supplementary insurance premiums, SWICA factors in the length of time you have been insured with us, rewarding you for your loyalty.
The only provider in Switzerland to protect you from the very first franc
We automatically apply the excess and deductible from your basic insurance to your hospitalisation insurance.
Your advantages with SWICA
We are fully committed to supporting you, not only with comprehensive insurance products, but also with valuable health services and benefits as well as personal customer service around the clock.
Save up to 15% on your premiums with Benevita
With the Benevita app, you can collect points on everything that does you good – from exercise to relaxation. The advantages for you: You benefit from a discount of up to 15% on your premiums, combining maximum benefits with extra perks every day.
