Optimization of hospital insurance
|Excess in CHF||Premium discount in %|
|HOSPITA insurance models||Premium discount in %|
|HOSPITA SEMI-PRIVATE / PRIVATE list||15|
|HOSPITA FLEX SEMI-PRIVATE||62|
|HOSPITA FLEX PRIVATE||68|
HOSPITA SEMI-PRIVATE (list) / PRIVATE list
With the HOSPITA SEMI-PRIVATE (list) / PRIVATE (list) insurance model, you select a hospital from the directory of hospitals for your HOSPITA variant for your hospital stay.
A HOSPITA FLEX SEMI-PRIVATE or a HOSPITA FLEX PRIVATE plan gives you access to all public and private hospitals in Switzerland. You decide before each hospital stay whether you want the general, semi-private or private ward. No co-payments apply when you choose the general ward. If you prefer to get treatment in a semi-private or a private ward, a co-payment plan that was agreed in advance comes into effect.
Find out more about alternative basic insurance models
Transparent and favourable co-payments
SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, which means the annual co-payments will be much lower when compared to other health insurers.
Example of rate increases for hospitalisation insurance
The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. This often results in a heavy financial burden in old age. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.
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