KPT Hospital Insurance Flex Top

Acceptance not guaranteed. Health check by KPT/CPT beforehand. Within 10 years after the start of insurance (change period) for the Flex Top hospital insurance product, you have the option of changing to a higher-value (semi-private or private) hospital insurance product from KPT. If the insurance policy begins during the year, the 10-year switching period begins on January 1 of the year following the year in which the policy was taken out. You can exercise this option once only, up to the end of your 65th year of age (even if you return to the Flex Top hospital insurance plan). 

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.

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.

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 150 per day, maximum CHF 4000 per calendar year (up to age 18, CHF 2000 per calendar year). Co-payments private ward: CHF 250 per day, maximum CHF 4000 per calendar year (up to age 18, CHF 2000 per calendar year). 
The last age class change is at age 91.
The premiums for 2026 are shown here.

For medical reasons and prescribed by a doctor in a recognized spa: CHF 50 per day for up to 30 days per calendar year for spa treatments and convalescent cures in Switzerland.

Childbirth costs are covered in listed hospitals throughout Switzerland. CHF 1000 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.

Cost of accomodation for an accompanying person up to CHF 50 per day during a maximum of 30 days per calendar year.

CHF 50 per day (maximum 30 days per calendar year).
These treatments cannot be combined with spa treatments.

Not specified.

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

Switzerland: All costs are covered.

No coverage.

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

Not specified.

Maximum 90 days per calendar year. If re-entry within 180 days, the previous days will be added to the total.

Travel and vacation insurance included (maximum 8 weeks per calendar year).
Expert second opinion.
Special coverage (cancer, heart attack, or stroke): a one-time payment of CHF 5000.
Upgrade for outpatient services at the hospital (free choice of doctor, transportation, childcare): 75%, up to CHF 1000 per calendar year.