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Flexible hospital insurance | Costs & comparison

Flexible hospital insurance

The flexible insurance options Eco and Top give you more flexibility in hospital. You can opt for a hospital outside your canton of residence without additional costs – and have a choice between staying on a general, semi-private or private ward. As an added bonus, if you upgrade, you have a free choice of doctor in a contractual hospital and the costs for a stay on a psychiatric ward will also be covered.

Calculate premiums

The monthly premium depends on age, place of residence and gender. Calculate your premium for 2027 and take out the insurance online in the next step.

Flex insurance in a nutshell

Flexible cover: flexible supplementary hospital insurance offers the following benefits.

More cover:
Flex insurance covers gaps in basic health insurance.
More flexibility:
the freedom to choose your preferred ward (general, private or semi-private) prior to each hospital stay.
Free choice of doctor:
if you stay on a private or semi-private ward of a , you can choose your preferred doctor.
A second opinion:
within 48 hours, will help you find a qualified specialist at no extra cost.
Two options – your choice:
Flex Eco and Flex Top both offer you the freedom to choose the level of cover you require.

Will you always want the comfort of a twin or single room? Then we recommend semi-private or private supplementary hospital insurance.

Compare and take out

Supplementary hospital insurance

Flex Eco 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.

Calculate premium

Supplementary hospital insurance

Flex Top hospital insurance

You can switch to a semi-private or private ward. The upgrade costs you less. The plus factor: free choice of contractual hospital and doctor plus contribution to psychiatry, health cure and home help costs.

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

Calculate premium

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.

Calculate premium

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.

Calculate premium

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.

Calculate premium

What the insurance covers

Flexible supplementary hospital insurance supplements the benefits offered under basic health insurance. It offers comfort, enhanced cover and freedom of choice.

Free choice of hospital throughout Switzerland
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
Travel and holiday insurance
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
Hospital stays abroad (emergencies)
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.

Hospitals without a tariff contract

Semi-private hospital insurance enables you to freely choose your doctor and hospital throughout Switzerland provided that KPT has a tariff contract with the hospital. If a hospital does not have a contract,
other options can be found on our list Alternatives to hospitals without a tariff contract (PDF).

More information:
Overview of supplementary hospital insurance plans

Useful documents

Hospitals/clinics without a valid tariff contract (PDF)General insurance conditions for travel and holiday insurance (PDF)General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Special conditions for Flex Top supplementary hospital insurance (PDF)List of advisory services available with Flex Eco and Flex Top supplementary hospital insurance (PDF)List of advisory services available with Flex Eco and Flex Top supplementary hospital insurance (PDF)Special conditions for Flex Eco supplementary hospital insurance (PDF)

Frequently asked questions

How does co-payment work with Flex insurance?

If you opt to stay on a private or semi-private ward during your hospital stay, you will need to pay a fixed daily lump sum towards this.

The amount you are asked to pay depends on the following:

Whether you have Flex Eco or Flex Top cover and
Whether you opt for a private or semi-private ward.

For example:
You have a Flex Top plan and choose to stay on a semi-private ward. If you stay in hospital three days, you will pay 3 × CHF 150. We pay all the remaining accommodation and treatment costs.

Your share of the payment is a little higher with Flex Eco, but that’s because you pay a lower premium.

Can I take out a Flex Eco policy and switch to Flex Top later?

To do this, you will be required to complete a .

Flex Top offers more flexibility from the outset. You enjoy more benefits and, after 1 year, you can switch to a superior supplementary hospital insurance, such as private or semi-private, at any time in the subsequent 10 years, without a health check.

What is the difference between flexible supplementary hospital insurance and ‘regular’ supplementary hospital insurance?

With flexible supplementary hospital insurance, you can choose, before each hospital stay, whether to stay on a general, semi-private or private ward.

If you opt to stay on a private or semi-private ward, you additionally pay a fixed daily sum for the duration of the stay, while benefiting from much lower premiums than with traditional private or semi-private insurance.

Do I always have a free choice of doctor with flexible supplementary hospital insurance?

You do not have a free choice of doctor when you stay on a general ward.

If you opt to upgrade to a semi-private or private ward in a , you do have a free choice of doctor.

Flex Top supplementary hospital insurance contributes to the costs associated with a free choice of doctor for certain procedures in hospital without an overnight stay.

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.