Flexible hospital insurance

With Flex supplementary hospital insurance, you are free to choose which in Switzerland you want to stay at (on a general ward) at no additional cost.

Basic health insurance will only cover the cost of treatment in a general ward at a hospital on your canton of residence’s .

If you opt for treatment on a private or semi-private ward, you will be required to pay some of the additional costs associated with this:

• Semi-private ward: 
  Flex Eco: CHF 300 per day
  Flex Top: CHF 150 per day
• Private ward: 
  Flex Eco: CHF 500 per day
  Flex Top: CHF 250 per day
• Maximum co-payment per calendar year: 
  Flex Eco: CHF 6,000
  Flex Top: CHF 4,000
• For insured persons under 18 years of age:
  Flex Eco: max. CHF 3,000 per calendar year
  Flex Top: max. CHF 2,000 per calendar year

Flex supplementary hospital insurance also includes travel and holiday insurance. This means that you are covered for foreign travel and holidays abroad. The cover is valid for 8 weeks (56 days) per calendar year.
The insurance pays for emergency treatment abroad and local assistance. It also offers cover for:

• Luggage: up to CHF 2,000 for loss or damage.
• Cancellation costs: up to CHF 20,000.
• Legal protection abroad: up to a maximum of CHF 300,000.–, a maximum of CHF 100,000.– outside Europe and states bordering the Mediterranean.

These benefits cannot be combined with KPT travel insurance from other supplementary insurance policies. If you will be travelling for longer than 8 weeks, you can extend your cover by arranging separate travel and holiday insurance.

Go to travel and holiday insurance: 
reiseversicherung.kpt.ch

After 8 weeks, the flexible supplementary hospital insurance assumes the costs. Prior to that time, costs are covered by the included travel and holiday insurance. In the event of an emergency abroad, flexible supplementary hospital insurance pays 100% of the hospital costs on a general ward. Should you voluntarily upgrade to a private or semi-private ward, the same co-payments apply as for a stay in Switzerland.

Note that the treatment must be essential in view of your current condition. In other words, an accident or illness while travelling has made urgent hospital treatment necessary.

You should also note that basic health insurance pays a maximum of twice what it would cover in Switzerland.