General hospital insurance

With general supplementary hospital insurance, you are free to choose which 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 .

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, general supplementary hospital insurance covers hospital costs resulting from an emergency abroad, paying up to CHF 20,000 per calendar year. Prior to that time, costs are covered by the included travel and holiday insurance.

Basic health insurance pays a maximum of twice what it would cover 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.