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Supplementary hospital insurance – costs and comparison

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Supplementary hospital insurance

Supplementary hospital insurance covers the costs your basic health insurance does not cover when you require hospital treatment. You decide whether you would like additional comfort, for example, in a single or twin room, or whether you would like to choose your doctor. You can select any hospital in Switzerland, provided that it is recognised by KPT.

Calculate your premium

Visit our website to find out how much you will pay for supplementary hospital insurance. With semi-private or private hospital insurance, you can choose an annual deductible, which is the part of the hospital costs that you pay yourself.

As an added bonus, you will save up to 50% on your premiums.

Take out the supplementary insurance directly or ask us for a quotation.

Supplementary hospital insurance in a nutshell

Supplementary hospital insurance provides additional cover to supplement basic health insurance.

More choice:
free choice of doctor and hospital throughout Switzerland. You decide where to receive treatment and who provides it, provided that it is recognised by KPT.
Quiet surroundings:
opt for a single or twin room and enjoy more comfort and privacy.
Timely appointments:
on private and semi-private wards, the waiting times are shorter and you have more flexibility when selecting appointments.
Safe travel:
comprehensive insurance coverage in the event of an accident or illness while travelling.
Global cover:
hospital costs are covered even when abroad – for your safety worldwide.

Find the right insurance for you

Find the supplementary hospital insurance that works for you.

Supplementary hospital insurance

General hospital insurance

You are entitled to receive treatment in a hospital outside your canton of residence at no extra cost. The plus factor: travel insurance and contribution to home help and home care costs included.

Choose Flex Eco or Top hospital insurance if you would like to choose between a general, semi-private and private ward prior to each hospital stay.

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Supplementary hospital insurance

Flexible hospital insurance

You can switch to a semi-private or private ward. The upgrade costs extra. The plus factor: free choice of contractual hospital and doctor plus contribution to psychiatry costs.

Save 6.7% on your premium with a 3-year contract.

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Supplementary hospital insurance

Semi-private hospital insurance

You choose the contractual hospital where you would like to receive treatment – anywhere in Switzerland. You also freely choose your doctor. The plus factor: the comfort of a twin room.

Save 6.7% on your premium with a 3-year contract.

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Supplementary hospital insurance

Private hospital insurance

You freely choose a contractual hospital and your doctor – anywhere in Switzerland or worldwide. The plus factor: full cost coverage on a private ward.

Save 6.7% on your premium with a 3-year contract.

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Supplementary hospital insurance

Daily hospital allowance insurance

30 or 60 days

Daily hospital allowance insurance covers your additional costs in hospital. The plus factor: receive a daily allowance for every day spent in hospital – for up to 30 or 60 days per year.

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Supplementary hospital insurance

Admission guarantee insurance

Sicuranta

Admission guarantee insurance gives you the right to semi-private or private hospital insurance for the next 5, 10, 15 or 20 years. The plus factor: you only answer health questions when taking out the Sicuranta policy.

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Hospital benefits

	General	Semi-private	Private	Private Worldwide	Flex Eco	Flex Top
	Full coverage for a stay on a general ward in Switzerland	Full coverage for a stay on a semi-private ward in Switzerland	Full coverage worldwide,	Full coverage worldwide	Free choice of ward and	Free choice of ward and
	Doctor: no, Hospital: yes	Doctor: yes, Hospital: yes	Doctor: yes, Hospital: yes	Doctor: yes, Hospital: yes	Doctor: yes, Hospital: yes	Doctor: yes, Hospital: yes
Hospital treatment abroad (in an emergency)	Hospital treatment abroad (in an emergency) Coverage of up to CHF 20,000 worldwide	Hospital treatment abroad (in an emergency) Full coverage in Europe/up to CHF 50,000 worldwide	Hospital treatment abroad (in an emergency) Full coverage in Europe/up to CHF 100,000 worldwide subject to	Hospital treatment abroad (in an emergency) Full coverage worldwide	Hospital treatment abroad (in an emergency) Full	Hospital treatment abroad (in an emergency) Full
Transport	Transport Fully covered throughout Switzerland, up to CHF 2,000 abroad per incident	Transport Fully covered throughout Switzerland, up to CHF 3,000 abroad per incident	Transport Fully covered throughout Switzerland, up to CHF 6,000 abroad per incident	Transport Fully covered throughout Switzerland, up to CHF 6,000 abroad per incident	Transport Fully covered throughout Switzerland, up to CHF 5,000 abroad per calendar year	Transport Fully covered throughout Switzerland, up to CHF 5,000 abroad per calendar year
	Up to CHF 20,000 per incident	Up to CHF 20,000 per incident	Up to CHF 20,000 per incident	Up to CHF 20,000 per incident	Up to CHF 20,000	Up to CHF 30,000
	Included for a maximum of 8 weeks per calendar year	Included for a maximum of 8 weeks per calendar year	Included for a maximum of 8 weeks per calendar year	Included for a maximum of 8 weeks per calendar year	Included for a maximum of 8 weeks per calendar year	Included for a maximum of 8 weeks per calendar year
Inpatient rehabilitation	Inpatient rehabilitation Covered for up to 60 days in a recognised facility within a 5-year period	Inpatient rehabilitation Covered for up to 60 days in a recognised facility within a 5-year period	Inpatient rehabilitation Covered for up to 60 days in a recognised facility within a 5-year period	Inpatient rehabilitation Covered for up to 60 days in a recognised facility within a 5-year period	Inpatient rehabilitation Full coverage	Inpatient rehabilitation Full coverage
Inpatient psychiatry	Inpatient psychiatry Full for 90 days	Inpatient psychiatry Full for 90 days	Inpatient psychiatry Full for 90 days	Inpatient psychiatry Full for 90 days	Inpatient psychiatry Maximum of 45 days per calendar year	Inpatient psychiatry Maximum of 90 days per calendar year
Health cures (prescribed by a doctor)	Health cures (prescribed by a doctor) CHF 20 per day -	Health cures (prescribed by a doctor) CHF 40 per day -	Health cures (prescribed by a doctor) CHF 60 per day -	Health cures (prescribed by a doctor) CHF 60 per day -	Health cures (prescribed by a doctor) Not included	Health cures (prescribed by a doctor) CHF 50 per day for a maximum of 30 days per calendar year
Childbirth	Childbirth Full coverage for a general ward – excluding stays	Childbirth Full coverage for a semi-private ward, CHF 200 per day for 5 days at a	Childbirth Full coverage for a private ward, CHF 300 per day for 5 days at a	Childbirth Full coverage for a private ward worldwide, CHF 300 per day for 5 days at a	Childbirth Full coverage for a selected ward in Switzerland, childbirth allowance (outpatient) of CHF 500	Childbirth Full coverage for a selected ward in Switzerland, childbirth allowance (outpatient) of CHF 1000
Outpatient procedures	Outpatient procedures Not included	Outpatient procedures Not included	Outpatient procedures Not included	Outpatient procedures Not included	Outpatient procedures Not included	Outpatient procedures 75% up to CHF 1,000 per calendar year (choice of doctor, transport, hotel etc.)
Home help and care (prescribed by a doctor)	Home help and care (prescribed by a doctor) CHF 20 per day for 60 consecutive days	Home help and care (prescribed by a doctor) CHF 30 per day for 60 consecutive days	Home help and care (prescribed by a doctor) CHF 50 per day for 60 consecutive days	Home help and care (prescribed by a doctor) CHF 50 per day for 60 consecutive days	Home help and care (prescribed by a doctor) –	Home help and care (prescribed by a doctor) CHF 50 per day for a maximum of 30 days per calendar year
Lump-sum payment for illness	Lump-sum payment for illness Not included	Lump-sum payment for illness Not included	Lump-sum payment for illness Not included	Lump-sum payment for illness Not included	Lump-sum payment for illness Not included	Lump-sum payment for illness Lump-sum payment of CHF 5,000 for serious
Advisory services	Advisory services Not included	Advisory services Second opinion service: BetterDoc	Advisory services Second opinion service: BetterDoc	Advisory services Second opinion service: BetterDoc	Advisory services Second opinion service: BetterDoc	Advisory services Second opinion service: BetterDoc
	Calculate Premium	Calculate Premium	Calculate Premium	Calculate Premium	Calculate Premium	Calculate Premium

This overview is based on the legal principles established by the HIA and IPA, in particular, and the currently applicable insurance conditions of KPT. All claims are assessed exclusively on the basis of the legal principles and insurance conditions of KPT.

For more information, see kpt.ch/insurance-conditions

Hospitals without a tariff contract

For private and semi-private wards

With private or semi-private supplementary hospital insurance, you have a free choice of hospital within Switzerland. And a free choice of doctor for your treatment.

Useful documents

General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Hospitals/clinics without a valid tariff contract (PDF)Special conditions for general, private and semi-private supplementary hospital insurance (PDF)Special conditions for Flex Eco supplementary hospital insurance (PDF)Special conditions for Flex Top supplementary hospital insurance (PDF)Special conditions for daily hospital allowance insurance (PDF)Special conditions for Sicuranta admission guarantee insurance (PDF)General insurance conditions for travel and holiday insurance (PDF)

Frequently asked questions

Contact us for advice

Consultation at KPT

Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.