Semi-private hospital insurance

Semi-private hospital insurance offers you exclusive protection with a free choice of hospital and doctor. The plus factor: the comfort of a twin room.

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.

Semi-private hospital insurance in a nutshell

Semi-private hospital insurance offers you more comfort and freedom of choice. It also fills the gaps left by basic health insurance.

More comfort:
enjoy the comfort of a semi-private room in a and benefit from the quiet and privacy of a twin room.
Free choice of doctor:
decide who treats you in the by choosing your own doctor.
Free choice of hospital throughout Switzerland:
you choose the where you want to receive treatment on a semi-private ward.
Clever savings:
control your premiums by adjusting your .
Money back option:
receive money back if you voluntarily choose the general ward.
Additional protection:
semi-private insurance fills the gaps left by basic health insurance. For example, by providing protection outside Switzerland or contributing to health cures.

Choose maximum protection: private hospital insurance enables you to enjoy the comfort of a single room on a private ward.

Compare and take out

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

General hospital insurance

To 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

Flexible hospital insurance

To 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

Supplementary hospital insurance

Private hospital insurance

To 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

Semi-private hospital insurance offers you exclusive protection. Plus all the benefits of a semi-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
People with semi-private insurance can freely choose the in Switzerland where they want to receive treatment on a semi-private ward. 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.
Twin room
Enjoy the comfort of a twin room on a semi-private ward in a . At no extra cost.

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

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 is the difference between private, semi-private and general?

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.

The main difference is whether you are treated on the general, semi-private or private ward in a . 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:
General hospital insurance
Private hospital insurance

Is it possible to switch from general hospital insurance to semi-private?

Yes. To do so, you must complete a health questionnaire (health check).

With semi-private insurance, can I also freely choose my doctor and hospital when abroad?

Yes. You can even choose the head of department.

To which benefits under semi-private insurance does a waiting period apply?

of 270 days applies to maternity benefits.

Contact us for advice

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.

Semi-private hospital insurance

Semi-private hospital insurance offers you exclusive protection with a free choice of hospital and doctor. The plus factor: the comfort of a twin room.

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.

Semi-private hospital insurance in a nutshell

Semi-private hospital insurance offers you more comfort and freedom of choice. It also fills the gaps left by basic health insurance.

More comfort:
enjoy the comfort of a semi-private room in a and benefit from the quiet and privacy of a twin room.
Free choice of doctor:
decide who treats you in the by choosing your own doctor.
Free choice of hospital throughout Switzerland:
you choose the where you want to receive treatment on a semi-private ward.
Clever savings:
control your premiums by adjusting your .
Money back option:
receive money back if you voluntarily choose the general ward.
Additional protection:
semi-private insurance fills the gaps left by basic health insurance. For example, by providing protection outside Switzerland or contributing to health cures.

Choose maximum protection: private hospital insurance enables you to enjoy the comfort of a single room on a private ward.

Compare and take out

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

General hospital insurance

To insurance

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

Flexible hospital insurance

To 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

Supplementary hospital insurance

Private hospital insurance

To 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

Semi-private hospital insurance offers you exclusive protection. Plus all the benefits of a semi-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
People with semi-private insurance can freely choose the in Switzerland where they want to receive treatment on a semi-private ward. 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.
Twin room
Enjoy the comfort of a twin room on a semi-private ward in a . At no extra cost.

Hospitals without a tariff contract

More information:
Overview of supplementary hospital insurance plans

Useful documents

Frequently asked questions

What is the difference between private, semi-private and general?

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.

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:
General hospital insurance
Private hospital insurance

Is it possible to switch from general hospital insurance to semi-private?

Yes. To do so, you must complete a health questionnaire (health check).

With semi-private insurance, can I also freely choose my doctor and hospital when abroad?

Yes. You can even choose the head of department.

To which benefits under semi-private insurance does a waiting period apply?

of 270 days applies to maternity benefits.