Hospital Flex at a glance
Want to stay flexible and not choose your ward until you’re admitted to hospital? Our flexible hospital top-up insurance products let you do just that.
Flexible hospital top-up insurance lets you choose your ward each time before you’re admitted to hospital. Not just that, you have a free choice of doctor and hospital, as well of plenty of other advantages.
How it works: You choose your preferred level of comfort each time before you’re admitted to hospital. If you opt for a semi-private or private ward, all you pay yourself is the agreed retention fee.
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Free choice of general, semi-private or private wards throughout Switzerland
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Free choice of doctor if you choose a semi-private or private ward
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Includes Vacanza travel insurance
The three benefit levels compared
You can adapt Hospital Flex top-up insurance to your individual needs. Compare the key benefits of the Hospital Flex, Hospital Flex Plus and Flex semi-private/private options and find the right model for you.
You will find a complete overview of all the included benefits in the detailed overview of benefits.
Is this model right for me and what discounts are available?
Family discount
You get a 50% discount on top-up insurance premiums for your second child and every additional child in your family who is insured with Visana. You will receive this discount until your child turns 18.
For everyone who values flexibility
Flexible hospital top-up insurance is the right choice for people who want a flexible, free choice each time before they are admitted to hospital.
How Hospital Flex top-up insurance works
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Your doctor refers you to hospital.
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If you are unsure, BetterDoc will put you in touch with a suitable specialist free of charge, who will provide a detailed second medical opinion.
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You opt for a general, semi-private or private ward.
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We check we have a contract with the chosen hospital.
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The hospital obtains our confirmation that we will cover costs and we notify you.
Your advantages with Hospital Flex
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Benefit from maximum flexibility when selecting the level of hospital comfort: free choice of ward (general, semi-private or private) before each admission to hospital, for the comfort of a single-bed or two-bed room
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Upgrade to semi-private or private ward possible if you pay some of the costs
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Free choice of hospital throughout Switzerland
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Free choice of doctor in hospital (treatment by a head physician, by a specialist, or by a doctor with admitting privileges)
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Vacanza travel insurance included
We will be happy to take the time to explain the advantages of the various hospital top-up insurance plans to you at no obligation.
Useful services for you
Having good insurance is half the battle. These services assist you:
Be it a planned operation or an emergency – here you will find all the information you need about your hospital stay: from the choice of hospital, to cost coverage, right through to helpful services for patients and their relatives.
If you are seeking a suitable hospital for your treatment, our comprehensive list of hospitals will help you to find the right hospital near you.
Please note: In order to keep premiums affordable for private and semi-private hospital top-up insurance, Visana can exclude cost coverage for certain hospitals in whole or in part. Please contact us before any hospital stay – to enable us to find the best solution for you and to prevent additional costs from arising.
See at a glance which benefits your basic insurance covers and what additional advantages our top-up insurance models offer.
Anyone with basic insurance or hospital top-up insurance from Visana can obtain a second medical opinion. For this purpose, BetterDoc puts you in touch with a suitable doctor, free of charge.
With ‘Emergency-Finder’, you are optimally equipped in critical medical situations. This app helps you to assess your symptoms correctly and shows you the nearest emergency ward in real time, along with its current capacity.
The cost-free service is available in the City of Bern and the surrounding metropolitan area.
Insurance that complements this product
Frequently asked questions about Flex insurance plans
Basic insurance only covers the costs of your stay and treatment in the general ward of a hospital. These costs depend on your canton of residence. With flexible hospital top-up insurance, you can also receive treatment in a hospital outside your canton of residence, without having to pay the difference yourself. You also benefit from greater flexibility: if you decide to upgrade to semi-private or private, you get a free choice of doctor and additional comfort.
Flex insurance is flexible hospital top-up insurance. Before any hospital stay, you are free to choose your ward – a general, semi-private or private ward. You have the flexibility to decide what suits you best – based on your needs and budget.
Flex insurance from Visana has two major advantages: it is flexible and it helps you to keep track of your costs. You always have the flexibility to choose between different wards, according to how much comfort you want and what treatment you need. If you do not require private care, you can save money by choosing the semi-private or general ward. Furthermore, the premiums for Flex insurance are significantly lower than those for the insurance models Hospital semi-private and Hospital private.
With Visana, you can choose between three Flex options. All three models give you a free choice of hospital throughout Switzerland and let you decide for yourself which ward you wish to stay in, before any admission to hospital. They differ in terms of the retention fee: the amount that you have to pay personally.
In the Hospital Flex model, we cover all costs if you opt for the general ward. If you want to be accommodated in a semi-private or private ward, you pay a surcharge of CHF 2,000 for the semi-private ward or CHF 4,000 for the private ward.
Under the Hospital Flex Plus model, the rules are as follows: in a semi-private ward, you contribute 20% of the costs, up to a maximum of CHF 2,000. In a private ward, you contribute 35% of the costs, up to a maximum of CHF 4,000.
With the third model, Hospital Flex semi-private / private, your contributions to costs are as follows:
Semi-private option and semi-private ward: CHF 4,000; private ward: CHF 8,000
Private option and semi-private ward: CHF 2,000; private ward: CHF 4,000
Please note: The sum insured under hospital lump-sum insurance can be used to cover the out-of-pocket expenses for a stay in a semi-private (with Flex semi-private) or private (with Flex private) hospital ward. No payout can occur in the event of a hospital stay resulting from maternity.
The main advantage lies in the flexibility. Each time that you are admitted to hospital, you are again able to first decide whether you wish to be accommodated in a general, semi-private or private ward, therefore saving on premiums. With Visana, you pay less for flexible hospital top-up insurance than for the Hospital semi-private or Hospital private top-up insurance models.
Downloads
Conditions of insurance
Overview of benefits
Fact sheet
Forms
Useful lists
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