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.


  • 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

If you only have basic insurance, you can be admitted to the clinic providing you stay in a general ward and that the hospital 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.

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).

Groupe Mutuel

Rue des Cèdres 5 Case postale, 1919 Martigny    |    +41 0848.803.111