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Private hospital insurance | Costs & benefits

Private hospital insurance

Private hospital insurance offers you exclusive protection with a free choice of hospital and doctor. The plus factor: people with private insurance enjoy the comfort of a single room.

Calculate premiums

The monthly premium depends on age, place of residence and gender. Calculate your premium for 2026 and take out the insurance online in the next step.

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Supplementary hospital insurance

Private hospital insurance for Switzerland

You freely choose a contractual hospital and your doctor – anywhere in Switzerland. 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

Private worldwide hospital insurance

You freely choose your hospital and doctor – anywhere in the world. The plus factor: full cost coverage on a private ward anywhere in the world. Includes travel and holiday insurance.

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

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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

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

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.

Calculate premium

What the insurance covers

Private supplementary insurance offers you maximum protection. Plus all the benefits of a private ward in hospitals.

These explanations are based on the special conditions for supplementary hospital insurance. They provide binding information about what the insurance covers.

Free choice of hospital throughout Switzerland
Freely choose the where you want to receive treatment on a private ward. Anywhere in the world. At no extra cost.

Basic health insurance will only cover the cost of treatment in a general ward at a hospital on your canton of residence’s .
Free choice of doctor
Freely choose your doctor in the . This can even be the head of department. Anywhere in Switzerland. At no extra cost.
Single room
Enjoy the privacy of a single room on a private ward in a . Anywhere in the world. At no extra cost.

Useful documents

General insurance conditions for supplementary insurance plans under the Insurance Policies Act (IPA) (PDF)Special conditions for supplementary hospital insurance (PDF)Hospitals/clinics without a valid tariff contract (PDF)

Frequently asked questions

What exactly does a free choice of doctor in the hospital mean?

If you have private insurance, you can choose which doctor treats you in a . You can even choose the head of department.

With private supplementary insurance, does the free choice of doctor and hospital also apply when abroad?

Yes. You can even choose the head of department.

Flexible, semi-private or private hospital insurance: what’s right for me?

In Switzerland, supplementary hospital insurance is a voluntary form of additional insurance for overnight stays in hospital. It covers benefits and costs that are not covered by basic health insurance.

KPT offers various supplementary hospital insurance plans. These differ with regard to the level of comfort, flexibility and cover that you receive.

The main difference is whether you are treated on the general, semi-private or private ward in a – or flexibly choose between the wards on every hospital stay.

On the semi-private ward, you enjoy the comfort of a twin room. On the private ward, you benefit from a single room.

With semi-private and private hospital insurance, you have a free choice of doctor and hospital throughout Switzerland. The hospital must be a .

Find out more:
Flexible hospital insurance
Semi-private hospital insurance

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.