Private Insurance
What Private Insurance Offers for Hospital Stays
For added comfort during a hospital stay, choosing a hospital supplementary insurance is an option. The most comprehensive benefits are provided by the private insurance option, including the free choice of doctor and hospital as well as accommodation in a single room with possible chief physician treatment.
Compare Private Hospital Insurance Options
Find the best private hospital insurance that matches your needs and budget.
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Benefits of Private Hospital Insurance
When signing up for hospital supplementary insurance, you have a range of options available. The basic variant, known as supplementary insurance for the "general ward," gives you the freedom to choose any doctor and hospital throughout Switzerland. The semi-private insurance expands these basic services to include accommodation in a two-bed room on a semi-private ward. For even greater comfort, private insurance offers an extensive range of additional amenities and services.
Key Benefits of Private Insurance
- Nationwide free choice of doctor and hospital
- Shorter waiting times for scheduled operations
- Entitlement to chief physician treatment
- Accommodation on the private hospital ward
- Accommodation in a single room
Depending on the insurance offer, you can also benefit from further amenities such as improved service, an extended menu, and additional extras. Some insurers even offer the option of global hospital choice and accommodation in the private ward.
Available Insurance Options
Different levels of hospital supplementary insurance provide varying degrees of comfort and choice.
General Ward
Freedom to choose any doctor and hospital throughout Switzerland.
Semi-Private
Accommodation in a two-bed room on a semi-private ward with expanded services.
Private
Most comprehensive benefits including single room accommodation and chief physician treatment.
What Should You Consider?
Premium Costs
More extensive services also mean higher premiums. Private hospital insurance is therefore more expensive, with premiums depending heavily on the insured person's age and gender—and typically increasing with age.
However, higher deductibles or cost-sharing can significantly lower premiums, with potential savings of up to 70%.
Pre-existing Conditions
Unlike basic insurance, there is no obligation to accept applicants for supplementary coverage. Pre-existing conditions can lead to application rejections.
It's advisable to clarify in advance whether and to what extent your insurance will cover costs in case of hospitalization, to avoid unpleasant surprises.
Important Notice
A comprehensive comparison of premiums and benefits is strongly recommended, as costs for similar insurance models can vary greatly. We offer you a free and non-binding consultation on Visana products.