KPT Hospital Insurance Flex Eco

Inpatient insurance flex model
With co-payment

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General

General information:

Acceptance not guaranteed. Health check by KPT/CPT beforehand.

Model:

Flex model

Choice of hospital and doctor:

Free choice of ward in listed hospitals with a service mandate and recognized tariff. Free choice of doctor in the semi-private and private wards, otherwise the physician on duty. In addition to Swiss hospitals, KPT partner hospitals in Germany near the border are available for selection.

Notice period:

The insurer can terminate the contract at the latest 3 months before the end of the contract or calendar year. For contracts with a term longer than three years, the legal termination provisions apply.

Premiums and discounts:

Amount of premiums depends on various factors such as age, gender and place of residence. Discount for a 3-year contract, for prepayment and for using the KPTnet customer portal (Receiving documents online, including free internet legal protection insurance).
Co-payments semi-private ward: CHF 300 per day, maximum CHF 6000 per calendar year (up to age 18, CHF 3000 per calendar year). Co-payments private ward: CHF 500 per day, maximum CHF 6000 per calendar year (up to age 18, CHF 3000 per calendar year).
The last age class change is at age 91.
The premiums for 2026 are shown here.

Spa and convalescent therapy:

No coverage.

Maternity:

Childbirth costs are covered in listed hospitals throughout Switzerland. CHF 500 for an outpatient birth. The costs for the stay and care of the healthy newborn are covered. Domestic help after an inpatient birth: CHF 50 per day (maximum 5 days). Waiting period: 270 days.

Rooming in:

No coverage.

Home help:

No coverage.

Home care:

Not specified.

Emergency transport costs:

Full coverage of costs for medically necessary transportation in Switzerland for inpatient treatment.
Transport abroad for inpatient treatment: CHF 5000 per calendar year.

Search and rescue costs:

Switzerland: All costs are covered.

Repatriation:

No coverage.

Hospital abroad:

Costs coverage with deduction of cost sharing in the selected department invan acute care hospital worldwide.

Rehabilitation stationary:

Not specified.

Psychiatry:

Included (up to 45 days per calendar year). If re-entry within 180 days, the previous days will be added to the total.

Additional services:

Travel and vacation insurance included (8 weeks per calendar year).
Expert second opinion.