Private hospital insurance

How is private hospital insurance calculated?

The private hospital insurance is calculated according to age, gender and postal code. The zip code is required for measuring the risk of the place of residence. Age is also a risk factor here. To calculate the exact premiums, you can use the health insurance comparison for private hospital insurance.

What are the advantages of private hospital insurance?

Private hospital insurance offers various advantages that go beyond the benefits of compulsory health insurance. Here are 8 benefits of private hospital insurance.

• Hospitalization in the private ward:

  The costs of the private ward are covered by health insurance throughout Switzerland.

• Free choice of physician:

  You are free to choose a doctor for the operations. Treatments are carried out by a senior physician or chief physician.

• Single room:

  Private hospital insurance offers you a single room in the hospital, while basic insurance only offers shared rooms.

• Free choice of doctor:

  You are free to choose your own doctor. Treatments are performed by a senior physician or head physician.

• Medical Second Opinion:

  With private hospital insurance, you have the right to a second medical opinion from renowned professors during operations.

• Faster appointments for surgeries.

  You get faster appointments for examinations and operations in the private hospital ward.

• Additional services:

  Domestic help, spa and convalescent cures, travel expenses.

• Special treatments:

  Special treatments and operations are also covered with private hospital insurance.

• Higher coverage limits:

  Private hospital insurance offers higher coverage limits for medical services than basic insurance.

How do you maximize the benefits of private hospital insurance?

To maximize the benefits of private hospital insurance, you can consider the following tips:

• Choose the right scope of services:

  Compare the different offers from insurance providers and choose the coverage that best suits your needs. Pay particular attention to the benefits for the treatments and illnesses you require.

• Use the free choice of doctor:

  With private hospital insurance, you usually have a free choice of doctor. Use this opportunity to choose a doctor or specialist who you trust and who is right for your specific needs and requirements.

• Plan your hospital stay in advance:

  If you have a planned hospital stay, speak to your doctor and the hospital in advance to ensure all services are covered by your hospital insurance. Also, ask about any additional benefits your insurance company may offer.

• Book a single room:

  With private hospital insurance, you can usually book a single room. Use this option to treat yourself to more comfort and privacy during your hospital stay.

• Keep an eye on your insurance benefits:

  Check regularly which services are covered by your hospital insurance and which are not. In this way, you can ensure that you take full advantage of your insurance benefits and do not have to bear any costs yourself.

• Find out about alternative treatments:

  Some private hospital insurance companies also offer alternative treatment methods that are not covered by compulsory health insurance. Find out in advance which alternative treatment methods might be suitable for your specific needs.

What does the private supplementary hospital insurance cover?

The private supplementary hospital insurance covers additional services that are not included in the compulsory health insurance. Here are some of the benefits that private supplementary hospital insurance typically covers in Switzerland:

• Single room:

  With private supplementary hospital insurance, you can book a single room during a hospital stay, which offers more privacy and comfort.

• Free choice of medical doctors:

  With private supplementary hospital insurance, you can book a single room during a hospital stay, which offers more privacy and comfort.

• Chief physician treatment:

  Supplementary hospital insurance private can cover treatment by a chief physician who is considered an expert in his field and offers better medical care.

• Higher performance:

  Supplementary hospital insurance private can cover additional services that are not included in compulsory health insurance, e.g. alternative treatment methods, check-ups, medication, dental treatment or cosmetic procedures.

• Shorter waiting times:

  With private supplementary hospital insurance, you can generally expect shorter waiting times for operations or treatment in hospital, as you will be given preferential treatment.

• More comfort:

  Supplementary private hospital insurance often offers additional amenities, such as better food, your own TV or WiFi in the room.

Can I choose the hospital myself if I have private hospital insurance?

The option of choosing the hospital yourself depends on the conditions and benefits of your private hospital insurance. As a rule, however, with private supplementary hospital insurance you are free to choose the hospital and can opt for a public or private hospital.

When you take out private insurance with free choice of hospital, you usually have several options to choose from and can choose the hospital that best suits your needs and preferences. You can usually choose a hospital in Switzerland or abroad, as long as it is a recognized medical facility.

However, it is important to note that the choice of hospital may be limited if you have chosen a coverage limitation or if it is an emergency situation where it is not possible to choose a hospital. It is therefore advisable to carefully examine the conditions and benefits of your private hospital insurance to understand what options you have and what restrictions there are.

How much does private hospital insurance usually cost?

The costs for private hospital insurance in Switzerland can vary depending on the provider and the scope of services. The monthly premium for a 33-year-old man from the city of Zurich costs between 58 and 205 francs.

Some of the factors that can affect the cost of private hospital insurance are:

• Type and scope of services:

  The more comprehensive the benefits of private hospital insurance are, the higher the premiums can be.

• Age and state of health:

  Older people or those in poorer health may pay higher premiums than younger or healthier people.

• Residence:

  Premiums may vary from canton to canton, as healthcare costs may be higher in some regions than others.

• Deductible:

  A higher deductible may result in premiums being reduced.

How do you extend private hospital insurance?

The private hospital insurance is automatically extended by 1 year at the end of the contract. You don't have to do anything to extend the contract. The insurance company will usually send you a notice of the policy renewal and the new premiums.

Are family members included in the private hospital insurance?

You must submit the insurance applications for each family member to the private hospital insurance. The premiums for the family members depend on various factors, such as their age, state of health and the scope of the insurance.

What restrictions and exclusions are there with private hospital insurance?

As with any insurance, there are also certain restrictions and exclusions with private hospital insurance, which can vary depending on the insurer and the scope of benefits. Some of the most common limitations and exclusions are:

• Pre-Existing Conditions:

  The more comprehensive the benefits of private hospital insurance are, the higher the premiums can be.

• Cosmetic procedures:

  Older people or those in poorer health may pay higher premiums than younger or healthier people.

• Self-inflicted injuries:

  Premiums may vary from canton to canton, as healthcare costs may be higher in some regions than others.

• Experimental Treatments:

  A higher deductible may result in premiums being reduced.

• Treatments abroad:

  Treatments carried out abroad may be excluded in some cases.

How long is the waiting period for private hospital insurance?

As a rule, there is no waiting period for entitlement to benefits from private hospital insurance. There is only a 12-month waiting period for women who are pregnant if they do not have an equivalent health insurance company beforehand. During this waiting period, you must continue to pay your regular health insurance premiums.

Can I switch private hospital insurance at any time?

Yes, you can change your private hospital insurance at any time, but there are some conditions and restrictions that you should be aware of. You must first submit a notice of termination to your current insurer if you want to change your hospital insurance in the health insurance company. The notice period is usually three months to the end of the insurance year.

If you want to take out new private hospital insurance, you need to be aware that some insurers conduct medical questionnaires or health checks to decide whether they will accept you as a policyholder. If you are denied due to pre-existing conditions or other health issues, you may have difficulty getting new insurance.

Can I switch from general to private hospital insurance?

Yes, it is possible to switch from the general ward to private hospital insurance. Private hospital insurance is often offered as a supplement to compulsory basic insurance to provide more comprehensive coverage of hospital services.

However, it is important to note that switching from compulsory health insurance to private hospital insurance may have some limitations. For example, you may need to meet certain requirements, such as passing a medical exam, to be eligible for private hospital insurance.

It's also important to remember that private hospital insurance is usually more expensive than compulsory health insurance. Before making a decision, you should carefully compare the cost and scope of private hospital insurance coverage and make sure it suits your needs and budget.

How can I compare private hospital insurance?

When comparing private hospital insurance, there are a few important factors to consider. Here are some steps you can follow:

• Determine your needs:

  Before you start comparing insurance quotes, you should consider what type of coverage you need. Do you want comprehensive coverage or are you looking for specific coverage such as a single room or private clinic?

• Compare prices:

  You should compare the prices and benefits of different insurance providers to find the best deal. Be sure to compare the same benefits and coverage with each offer.

• Consider the deductible:

  A higher deductible can help reduce premium costs. However, think carefully about whether you can afford a higher deductible and whether this will pay off in the long term.

• Check the waiting times:

  Some insurers have waiting periods for certain treatments or coverage. Check carefully what waiting times apply with different providers to make sure the insurance meets your needs.

• Check the insurance conditions:

  Read the terms and conditions of insurance carefully to ensure you understand all clauses, exclusions and limitations. If you have any questions, you should contact the insurer or an independent insurance adviser.

• Use the health insurance comparison:

  Checkall offers a health insurance comparison where you can compare different hospital insurance offers. The health insurance comparison can be a quick and easy way to get an overview of the options available.

How do you know if your private hospital insurance covers specific treatments or procedures?

To find out if your private hospital insurance covers special treatments or procedures, you should first check your insurance conditions. These should include a detailed list of the treatments and procedures covered, as well as information on limitations, exclusions, and waiting times.

If you are unsure whether a particular treatment or procedure is covered, you can also check with the insurer directly. You can contact the customer service department and get a detailed explanation of the coverage and associated conditions and limitations.

What does private hospital insurance cover in the event of pregnancy and childbirth?

The services that private hospital insurance covers in connection with pregnancy and childbirth can vary from insurance to insurance. As a rule, however, private hospital insurance covers costs for accommodation in a single room, as well as for medical services and medical treatment in connection with pregnancy and childbirth.

In addition, some private hospital insurance companies can also offer additional services, such as costs for a midwife, additional care after the birth or alternative birth methods such as water births or home births. However, it is important to note that these additional benefits may vary from insurer to insurer and may be subject to additional conditions and restrictions.

The best supplementary insurances in the private section of Switzerland

The best supplementary insurances in the private section of Switzerland provide excellent protection against financial risks. These insurance companies offer excellent services and conditions that allow customers to protect themselves comprehensively.

More services from Checkall