Supplemental Hospital Insurance

Swiss Hospital Insurance Comparison 2024

The comprehensive and unbiased comparison of Swiss hospital insurance offers. You can use the compulsory health insurance comparison and supplemental health insurance comparison to find the mandatory and outpatient health insurance which gives you the best value. Compare offers and apply online now

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Specify whether you need insurance for general wards, semi-private wards, or private wards.

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Compare premiums and coverage using the comprehensive filter and sort criteria.

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Easily begin the application process for the right hospital insurance directly online.

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Supplemental Hospital Insurance Questions and Answers

More About the Supplemental Hospital Insurance Comparison

Swiss mandatory health insurance covers hospital treatment and stays at eligible hospitals within your canton of residence. Many private clinics are not covered by mandatory health insurance. Hospital treatment outside of your canton of residence is only covered in the case of medical emergencies or when the required treatment is not offered by a hospital in your canton of residence. Mandatory health insurance only covers hospital stays outside of Switzerland in the event of medical emergencies. Coverage for hospital treatment abroad is limited to approximately the cost of treatment within your canton of residence, and this may be insufficient in countries with very expensive healthcare.

Supplementary hospital insurance extends hospital coverage to non-emergency hospital treatment throughout Switzerland. Depending on the supplementary hospital insurance offer, coverage may also extend to specific private clinics. Supplementary hospital insurance may also extend coverage for treatment outside of Switzerland.

The best hospital insurance is the insurance which gives you the coverages you need for the lowest premium. In some cases, the best hospital insurance for you is not the cheapest available. It is important to consider your needs. The supplementary hospital insurance comparison on helps you find the cheapest hospital insurance for your specific needs. You can choose the hospital insurance model, filter offers based on what hospitals are covered, and sort them based on the coverage provided. Find the best hospital insurance for your needs now

The interactive hospital insurance comparison lets you compare hospital insurance from Swiss health insurance providers based on premiums and coverage. You can compare offers for four different hospital insurance models: general ward insurance; semi-private ward insurance; private ward insurance; flex hospital insurance.

Semi-private ward insurance is significantly more expensive than general ward insurance. It covers stays in semi-private wards (2 patients per room) and treatment by the available doctor of your choice.

Private ward insurance is even more expensive, but covers stays in private wards (just 1 patient per room). It also generally covers treatment by the available doctor of your choice.

Flex hospital insurance lets you choose which ward you want to be treated in on a case-by-case basis.

You can sort all relevant offers based on coverage ratings, costs and many more criteria.

The supplementary hospital insurance comparison lets you filter hospital insurance offers based on the hospitals and clinics which they cover. The comparison accounts for 42 different Swiss private hospitals and clinics, including private clinics run by the Hirslanden Group and by Swiss Medical Networks (SMN). You can easily find hospital insurance offers which cover your preferred hospitals by selecting the appropriate hospital filters.

No. Supplemental hospital insurance is voluntary, and insurance companies are under no obligation to accept your applications. Because of this, you may not be able to get supplemental health insurance if you are elderly or have major health problems.

No. You can get supplementary health insurance and mandatory health insurance from two different companies. In many cases using different insurers for compulsory and voluntary health insurances is recommended.

You can change mandatory health insurance premiums every year, so you can move to the cheapest insurance provider for you every year. You always have the guarantee of being accepted for mandatory health insurance. Supplemental hospital insurance is not as easy to switch. Contract terms and notice periods may be longer, and you have no guarantee that new applications will be approved.

Some health insurance providers give you multiple-policy discounts when you get both mandatory and voluntary health insurance from them. But moving to the most affordable mandatory health insurance every year will generally save you more.

The first step is to compare insurance premiums and benefits using the supplemental hospital insurance comparison on If you find a better alternative to your existing hospital insurance, apply for the insurance you want first.

Do not terminate your existing hospital insurance until the application for your new hospital insurance has been accepted. This is important because insurance providers are not obligated to accept applications for voluntary health insurance. By waiting with terminating your existing hospital insurance until your new hospital insurance has been approved, you avoid becoming uninsured if your application is rejected.

Make sure to review your existing hospital insurance policy’s notice periods.

Many health insurance providers have different terms and conditions for supplemental hospital insurance than for mandatory health insurance. In many cases the notice periods for voluntary hospital insurance are longer than the notice period for mandatory health insurance.

With many hospital insurance policies, the notice period is 3 months from the end of each calendar year. In this case, your notice must be submitted by the end of September in order to terminate your insurance from the end of the year. Some insurers require more notice (6 months, for example).

You can find more information about terminating supplemental health insurance policies here.

The comparison includes supplementary hospital insurance from these Swiss health insurance providers: AssuraAtupriConcordiaCSSGroupe MutuelHelsanaInnovaKPT, SanitasSwicaVisana.

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