SWICA Private Global (BestMed) hospitalisation insurance is right for you if
You have the highest expectations with regard to the free choice of hospital and doctor in a private ward.
Exclusive comfort such as a single room is important to you.
You appreciate personal care provided by senior consultants.
Preferential access and short waiting times for elective surgeries are important to you.
You value financial support for convalescence and medical spa treatments, and exclusive additional benefits.
Private Global (BestMed) hospitalisation insurance versus cover for hospitalisation under basic insurance: optimise your care and service
- With SWICA's Hospita Private Global (BestMed) hospitalisation insurance, you benefit from a free choice of hospital and doctor in a private ward, exclusive comfort in a single room and personalised care from senior consultants, worldwide. You enjoy individual support, preferential access to elective treatments and exclusive additional benefits worldwide – for maximum security and wellbeing.
- Basic insurance covers the costs of medically necessary hospital stays on the general ward, but usually only in the canton where you live. The freedom to choose a hospital anywhere in Switzerland, as well as more extensive benefits and personalised care, are not covered by basic insurance or are only covered to a limited extent.
SWICA Hospita Private Worldwide (BestMed) hospitalisation insurance benefits in detail
Here you can see how the benefits of Private Worldwide (BestMed) hospitalisation insurance optimise and complement the benefits of your basic insurance.
| Basic insurance benefits | Benefits under Hospita Private Global (BestMed) insurance | |
|---|---|---|
| Hospital stays | General ward in hospitals on the hospital list of the canton of residence or current location based on the rate valid for the canton of residence Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Free choice of doctor and hospital worldwide, with premium comfort and service in a single room. Private ward worldwide, full cover in public and private hospitals If there is no contract with a SWICA-recognised hospital, the maximum rate applies. If a hospital is not recognised by SWICA, the costs are not covered. Such hospitals are not listed in the hospital directory, or are listed with a note stating that the costs will not be covered. As the directory may be amended at any time, it must be consulted before any services are used. BestMed guarantee: Special benefits for insured persons with special requirements. The fastest connection to outstanding medical care around the clock. Selectable excess per year: - CHF 1000, premium discount = 15% |
| Maternity | - No co-payments for maternity benefits in accordance with the Health Care Benefits Ordinance. - No co-payments for treatment for illness from the 13th week of pregnancy up to and including the 8th week after the birth. | Additional costs for the newborn during the mother's postpartum recovery, the same as the mother's cover |
| Home help | +CHF 50/day, max. 60 days a year | |
| Home nursing care | Advice, treatment and basic care provided by recognised service providers Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 100/day |
| Medical spa treatments | CHF 10/day, 21 days a year Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 140/day, max. 30 days a year |
| Convalescence treatments | +CHF 140/day, max. 30 days a year | |
| Emergency transport and medically indicated transport, search and rescue operations, repatriation | - 50% up to CHF 500 for medically indicated transport Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. - 50% up to CHF 5000 for emergency transport in Switzerland Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | - Emergency transport and transfers: - Search and rescue operations, repatriation: |
| Treatment abroad | Costs covered in emergencies up to double the rate based on the recognised rate for Switzerland or as per bilateral agreement with EU/EFTA countries Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | Full cover |
How to supplement your SWICA Hospita Private Global (BestMed) hospitalisation insurance
SWICA offers a range of supplementary insurance plans to add to the cover provided by your hospitalisation insurance.
Example: Hospitalisation insurance rate increases
Most health insurers significantly increase the premiums for supplementary insurance every five years, which can result in a major financial burden in old age. By using the rate based on your age when you join to calculate your supplementary insurance premiums, SWICA factors in the length of time you have been insured, rewarding you for your loyalty.
The only provider in Switzerland to protect you from the very first franc
We automatically apply co-payments from your basic insurance to your hospitalisation insurance.
Your advantages with SWICA
We are fully committed to supporting you with comprehensive insurance products and valuable health services and benefits, as well as personal customer service around the clock.
Save up to 15% on your premiums with Benevita
Through the Benevita app you can collect points on everything that does you good – from exercise to relaxation.
The advantage for you: You benefit from a discount of up to 15% on your premiums, combining maximum benefits with extra perks every day.
