SWICA’s general hospitalisation insurance is a good choice for you if
you value having a free choice of hospital (contract hospitals).
comprehensive cover of your costs in the general ward is important to you.
General hospitalisation insurance versus the hospitalisation benefits provided by basic insurance: how the benefits complement each other
- With SWICA’s Hospita General hospitalisation insurance, you benefit from a wider choice of hospitals throughout Switzerland, comprehensive cover of costs for accommodation and treatment in the general ward, and personal support during your hospital stay. You get more security and flexibility than under basic insurance.
- Basic insurance covers the costs of medically necessary hospital stays in 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 covered to a limited extent.
Benefits of SWICA’s Hospita General hospitalisation insurance in detail
This is how Hospita General hospitalisation insurance supplements your basic insurance in a way that makes sense for you and is based on your needs.
| Benefits under basic insurance (Standard and Favorit plans) | Benefits under general hospitalisation insurance (access to the general wards of SWICA contract hospitals) | |
|---|---|---|
| Hospital stay | General ward of hospitals included in 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 the general ward of SWICA-recognised acute hospitals Selectable annual excess: CHF 1000, discount on premiums = 15% |
| Maternity | - No co-payments for maternity benefits in accordance with the statutory Health Insurance Benefits Ordinance - No co-payments for the treatment of illnesses from the 13th week of pregnancy, up to and including the 8th week after giving birth | Additional costs for the newborn during the mother’s postnatal recovery, in line with the mother’s cover |
| Home help | +CHF 15/day, up to 60 days per year | |
| Home nursing care | +CHF 30/day | |
| Medical spa treatments | CHF 10/day, 21 days per year Co-payments in basic insurance: SWICA charges the co-payments prescribed by law or defined in the contract for these benefits. | +CHF 30/day, up to 30 days per year |
| Convalescence cures | +CHF 15/day, up to 30 days per year | |
Emergency and medically indicated transportation, search and rescue operations, repatriation | - 50% up to CHF 500 towards 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 towards emergency transport to 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, and repatriation: |
| Treatment abroad | Costs covered for 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 50/day and CHF 5000 per year for treatment costs |
Supplementing your SWICA Hospita General hospitalisation insurance
SWICA offers a range of supplementary insurance plans that are ideal complements 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 enrol to calculate your supplementary insurance premiums, SWICA factors in the length of time you have been insured with us, rewarding you for your loyalty.
The only provider in Switzerland to protect you from the very first franc
We automatically apply the excess and deductible from your basic insurance to your hospitalisation insurance.
Your advantages with SWICA
We are fully committed to supporting you, not only with comprehensive insurance products, but also with valuable health services and benefits as well as personal customer service around the clock.
