HOSPITAL ECO
Your affordable supplementary hospital insurance with free choice of hospital anywhere in Switzerland. Stay in a multi-bed room (general ward) with supplementary insurance benefits, such as contributions to convalescent treatments or household help.
Insured benefits
With HOSPITAL ECO supplementary hospital insurance, you receive the following benefits in addition to statutory benefits covered by basic insurance:
Advantages for persons insured with supplementary insurance
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Frequently asked questions
Supplementary hospital insurance allows you to enhance your basic hospital insurance cover for inpatient treatment with benefits of your choice.
Basic insurance reimburses you for the tariff set in your canton of residence for your stay and medical treatment in a general ward (multi-bed room), provided the hospital is on the hospital list in your canton of residence or for medical reasons you require treatment in an out-of-canton hospital. You must pay for all extra benefits yourself – such as household help following an acute hospital stay or childcare while you are recovering in the hospital. That is why these supplementary benefits give financial peace of mind.
Basically you are free to choose the hospital you want anywhere in Switzerland. However, some hospitals and clinics do not have a (recognised) general ward. This means that costs may be incurred at such places, which you will still have to pay yourself even if you have ECO supplementary hospital insurance.
So please ask us before you are hospitalised, whether we will cover all the costs of your hospital stay.
Yes, on request you can change from a general to a semi-private or private ward for individual hospital stays. HOSPITAL ECO does, however, reimburse the following percentages of these additional costs:
- 40% for an upgrade from a general to a semi-private ward
- 20% for an upgrade from a general to a private ward
You must reside in Switzerland (official place of residence) and have an accepted health declaration in order to take out the insurance.
The minimum term is one year. The contract is automatically renewed each year on the expiry date for a further year.
You can terminate the insurance on 31 December of each year and switch to another health insurance company in Switzerland. Three months’ notice of termination must be given. Notice of termination must reach us by no later than the last working day in September. If the insurance premium changes, a one-month notice period applies. In this case, notice of termination must reach us by no later than the last working day in November.
waiting period is the time (from the start of the contract) during which you do not yet have a claim to insurance benefits. The length of the waiting period can vary depending on the insurance benefit.
There is a waiting period of 365 days for maternity benefits. That means you cannot claim these benefits before the end of the first insurance year. Your maternity stay in a hospital in the first year would only be covered through basic insurance – for childbirth and postpartum, for instance. You receive the costs of a stay, care and treatment in a general ward (multi-bed room) based on the tariff in your canton of residence.
However, you are covered from the start of insurance for benefits paid as a result of illness or accident.
- For two or more family members insured under the same contract, we grant a family discount of 5% on this and other supplementary insurances; for three or more insured family members, the discount is 10%.
Other supplementary insurance
You may also be interested in the following supplementary insurance:
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