innova sanvita switch

Flexible Ward (General/Semi-Private/Private)
Free choice of hospital
Worldwide insurance coverage, second medical opinion
Transparent cost share in CHF per day
25% premium discount for non-smokers

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General

General information:

Acceptance not guaranteed. Health check by innova beforehand. The hospital insurances of sanvita are available for nonsmokers only.
For hospital stays with switch coverage, the daily cost contribution for a maximum of 30 days per calendar year and selected room is as follows:
Multi-bed room CHF 10
Twin room CHF 75
Single room CHF 200

Model:

Flex model

Choice of hospital and doctor:

Flex model. Free choice of hospital (hospital according to the hospital list).

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year.

Premiums and discounts:

Premiums are gender-neutral and based on age.
Benefit from a unique non-smoker discount (with premiums up to 25% cheaper).
Family discount of 20 percent.

Spa and convalescent therapy:

Coverage of spa and convalescence treatments in a health resort according to the list of the Swiss Association of Health Resorts and Spas. Coverage under the insured switch option for a maximum of 21 days per calendar year: CHF 20 per day.

Maternity:

The same coverage as for acute hospital stays. A benefit of CHF 600 for home births or if the mother and child leave the hospital within 3 nights or 4 days.
Waiting period of 12 months from the start of insurance.

Rooming in:

No coverage.

Home help:

Not part of this product.

Home care:

Not part of this product.

Emergency transport costs:

Not part of this product.

Search and rescue costs:

Not part of this product.

Repatriation:

Not part of this product.

Hospital abroad:

For emergency hospital stays abroad, benefits are covered within the scope of the selected coverage option. Assistance services (telephone consultation and organization of transfer and repatriation in the event of medical emergencies abroad) are included in all supplementary hospital insurance policies and can be used on an optional basis.

Rehabilitation stationary:

CHF 100 per day for a maximum of 90 days per calendar year for inpatient rehabilitation.

Psychiatry:

CHF 100 per day for a maximum of 90 days per calendar year for inpatient psychiatric care.

Additional services:

Coverage of costs for a second opinion by a doctor before an upcoming operation.
Accident coverage in addition to UVG or KVG.