Hôpital senior insurance

Hospitalisation insurance for persons over 55

Are you planning your retirement or have you already retired? Hôpital senior insurance is designed specifically for this phase of your life – for example, if you wish to be seen by a specialist at a specific hospital or to enjoy the comfort of a private room. You can take out Hôpital senior insurance at any age.
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Four levels of benefits for appropriate coverage

In the event of illness or accident, you can be treated in a large number of hospitals, including those outside your canton.
Depending on the level of benefits chosen, you will be able to enjoy the comfort of a single or double room. In the event of a stay in hospital, you are free to choose your doctor (levels 3-4).
You benefit from attractive financial advantages: daily allowance benefits in case of hospitalisation abroad and up to 25% discount (levels 3-4) depending on the chosen deductible.

Main benefits covered

You have the choice between four levels of cover for full reimbursement of your hospitalisation costs in the event of illness or accident. Insurance can be taken out at any age.

	Hospital comfort	Free choice of hospital	Maximum coverage abroad
Level 1 Medical care to general ward standard	Room with several beds		CHF 500/day
Level 1 Medical care to general ward standard	Room with two beds	The hospital must be on the insurer’s list	CHF 500/day
Level 2 Medical care to general ward standard	Room with several beds		CHF 500/day
Level 2 Medical care to general ward standard	Room with one bed	The hospital must be on the insurer’s list	CHF 500/day
Level 3 Semi-private ward	Room with two beds	The hospital must be on the insurer’s list	CHF 1,000/day
Level 4 Private ward	Room with one bed	The hospital must be on the insurer’s list	CHF 1,500/day

Premium savings

With the levels 3 and 4, you can benefit from attractive premium discounts by choosing from the following deductibles:

10% discount for a deductible of CHF 2,000
25% discount for a deductible of CHF 5,000

List of benefits covered

For the full list of benefits covered, please see the terms and conditions of insurance.

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Do you have any questions about Hôpital senior supplemental insurance?
Our insurance advisers are available to answer any questions you may have.

Useful documents

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 does basic health insurance provide for hospitalisation in my canton?

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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