Semi-private or private hospitalisation insurance with global cover

Enjoy accident cover as a private patient – in Switzerland and abroad

INFORTUNA medical expenses – accident insurance for private patients – offers comprehensive cover above and beyond that provided under statutory accident insurance, in Switzerland and the whole world.

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Key benefits at a glance

Full cover for outpatient and inpatient treatment as a private patient anywhere in the world*
Complementary medicine
Full cover for complementary outpatient treatment by SWICA–recognised therapists*
Full cover for the cost of medication*
Treatment abroad
Full cover*

FAQ regarding accident insurance

Accident insurance is compulsory by law. If you work at least eight hours per week for the same employer, your employer must take out insurance to cover you against the financial consequences of occupational and non-occupational accidents. If you are not employed, you are covered by the accident insurance element of mandatory healthcare insurance under the KVG.

It may also be advisable to take out more comprehensive cover. SWICA’s INFORTUNA medical expenses plan offers accident insurance with comprehensive cover. You benefit from full cover for the costs of outpatient and inpatient treatment worldwide. You are also entitled to a single room and a free choice of doctor and hospital. SWICA also offers you other generous benefits in areas such as complementary medicine, emergency transport and rescue operations.

The cost of compulsory accident insurance depends on whether you are insured through your health insurance or your employer. For optimal protection with additional benefits we recommend the outstanding INFORTUNA accident insurance, which covers the full costs of treatment anywhere in the world. Get a quote using the SWICA premium calculator.

Yes, provided you are registered with the unemployment insurance fund, in which case you are insured with SUVA against occupational and non-occupational accidents. If this is not the case, contact your SWICA Customer Services team.

If an employee works at least eight hours per week for an employer, their employer is obliged to take out insurance to cover them against occupational and non-occupational accidents. If you work less than eight hours a week, you must add the accident cover by contacting your SWICA Customer Services team or completing the online form.

You can add or remove the accident cover to/from your mandatory basic insurance in the following ways:

Please note that you may only remove the cover from your mandatory basic insurance if you work at least eight hours per week for your employer, as you are then insured through your employer against the consequences of an accident.

Exclusive services and advantages for SWICA customers with supplementary insurance

  • Over 100 offers and contributions of up to 1'300 francs per year for health-promoting activities and preventive healthcare (find out more)
  • Support from alternative therapy methods thanks to the equal consideration of conventional and complementary medicine
  • Discounts and the innovative TytoHome telemedicine device for medical examinations at home
  • Reduced hourly rate for care for your home during hospital or medical spa stays (Home Attendant service)

Discover all the benefits

We are happy to advise you

Would you like more information on SWICA or a personal consultation? Client Services would be happy to assist. Call us on 0800 80 90 80 or send us a message using the contact form below.

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Switch to the number 1 in customer satisfaction now

SWICA was once again ranked first in customer satisfaction surveys carried out by Comparis, and AmPuls, and has ranked highly in comparisons for the past ten years. You too can place your trust in SWICA and benefit from the exclusive advantages it offers.

What our customers have to say

Raffaele Genna
«I really value the great assistance and support. After a skiing accident in Austria I didn't know what kind of accident insurance cover I had. A call to SWICA later on in the evening provided the information I needed and meant that I was extremely well looked after.»
Max Gugger
«SWICA gave me all-round support when I had an accident abroad. It was a great relief»
Sandra & Silvio Huser
«We are always satisfied with the services, processes and professional advice we receive from SWICA.»