SWICA semi-private hospitalisation insurance is right for you if
You value free choice of hospital and doctor in a semi-private ward.
Extra comfort such as a two-bed room is important to you.
You expect personal advice and support as part of your everyday hospital experience.
You want comprehensive cost coverage in recognised acute hospitals.
Short waiting times for scheduled operations are a priority for you.
You appreciate receiving financial support with convalescent and medical spa treatments.
Semi-private hospitalisation insurance versus hospitalisation benefits provided by basic insurance: optimise benefits and service
- With SWICA's Hospita Semi-Private hospitalisation insurance, you benefit from a free choice of hospital and doctor in a semi-private ward, additional comfort in a two-bed room and comprehensive cost coverage in SWICA-recognised contract hospitals. You get personal support and greater flexibility than basic insurance can provide.
- Basic insurance covers the costs of medically necessary hospital stays in the general ward, generally 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.
Basic insurance benefits (Standard and Favorit plans) | Benefits under Hospita Semi-Private hospitalisation insurance (free choice of doctor and hospital anywhere in Switzerland, with privacy in a two-bed or single room) | |
|---|---|---|
| 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. | Full cover in semi-private ward of all hospitals in Switzerland and Liechtenstein 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. Selectable annual excess: - 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 of 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 30/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 60/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 80/day, max. 30 days a year |
| Convalescence treatments | +CHF 80/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 [[tooltip::Co-payments]] - 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. | +CHF 100/day and CHF 10 000 per year for treatment costs |
How to supplement your SWICA Hospita Semi-Private 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, 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.
