H-Capital

Insurance for a lump-sum payment in case of hospitalisation

Child care, housekeeping or even transport costs: the economic consequences of being hospitalised can be far-reaching. H Capital guarantees the payment of a lump-sum amount for compensation of expenses related to your hospitalisation in Switzerland or abroad.

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Benefits covered

My advantages

Documents for download

Principles

  • I receive a lump-sum payment in the event of hospitalization for inpatient treatment for a period of more than 24 hours or less than 24 hours during which a bed is occupied overnight.
  • The lump-sum amount is paid out directly on presentation of the hospital invoice.
  • I am covered in the event of illness or accident by the basic health insurance.
  • This insurance is open to persons of all ages.

Benefits covered

Choice of eleven annual lump-sum amounts

CHF 300, CHF 500, CHF 600, CHF 900, CHF 1’000, CHF 1’200, CHF 1’500, CHF 2’000, CHF 2’500, CHF 3'000,  CHF 3’500

  • Security: I am able to cope with the economic consequences of a hospital stay.
  • Freedom: I use the lump-sum amount in accordance with my needs without having to justify my expenses.


Request advice

Do you have any questions about H-Capital supplemental insurance?
Our insurance advisers are available to answer any questions you may have.

Frequently asked questions

Can I be admitted to a clinic?

If you only have basic insurance, you can be admitted to a clinic providing you stay in a general ward and that the clinic is listed by your canton of residence (Art. 41, para. 1bis LAMal/KVG).
If not, you must have supplemental insurance to cover the costs of a semi-private or private room.

What coverage do I enjoy in my canton of residence if I only have compulsory health insurance?

Your basic insurance covers standard hospital care in the general ward of a hospital listed by your canton of residence (Art. 41, para. 1bis LAMal/KVG).

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Groupe Mutuel

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