Hospital lump-sum insurance at a glance
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Hospital lump-sum insurance protects you against the financial impact of a hospitalisation and can be taken out independently of other insurance plans.
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Hospital lump-sum insurance covers you for a specific amount, which Visana pays to you if you have to have inpatient treatment in hospital. You decide what to do with the money: pay a home help or babysitter, enjoy more comfort in hospital – whatever is important to you.
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You can insure sums of between CHF 500 and CHF 15,000.
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If you have general or semi-private insurance, you can use your lump sum to upgrade to private for a while – for example, to enjoy a room of your own or a free choice of doctor. However, you will have to establish terms and conditions with the hospital yourself before your planned treatment takes place.
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We will not make any payment if you are admitted to hospital for maternity.
These are the benefits
Visana pays you the agreed amount. For large amounts of CHF 5,000 or more, you will receive the maximum amount if you are in hospital for at least two days.
| Lump sum | Payment for inpatient stay of at least 24 hours | Payment for inpatient stay of at least 48 hours |
|---|---|---|
| CHF 500 | CHF 500 | CHF 500 |
| CHF 1,000 | CHF 1,000 | CHF 1,000 |
| CHF 1,500 | CHF 1,500 | CHF 1,500 |
| CHF 2,000 | CHF 2,000 | CHF 2,000 |
| CHF 2,500 | CHF 2,500 | CHF 2,500 |
| CHF 3,000 | CHF 3,000 | CHF 3,000 |
| CHF 4,000 | CHF 4,000 | CHF 4,000 |
| CHF 5,000 | CHF 5,000 | CHF 5,000 |
| CHF 6,000 | max. CHF 5,000 | CHF 6,000 |
| CHF 8,000 | max. CHF 5,000 | CHF 8,000 |
| CHF 10,000 | max. CHF 5,000 | CHF 10,000 |
| CHF 12,000 | max. CHF 5,000 | CHF 12,000 |
| CHF 15,000 | max. CHF 5,000 | CHF 15,000 |
Is hospital lump-sum insurance right for you?
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For people who want to cover additional expenses if they are reliant on support (e.g. household help) during or after treatment in hospital, so that they can focus fully on their recovery.
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For people with a high retention fee.
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For people who want more comfort while they are in hospital.
How hospital lump-sum insurance works
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You take out insurance for a specific amount between CHF 500 and CHF 15,000.
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Visana will transfer the insured sum if you are admitted to hospital for inpatient treatment.
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To obtain this amount, you just need to send us the hospital invoice.
Advantages of hospital lump-sum insurance
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Financial security: protecting you against the financial consequences of a hospital stay.
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Lump-sum payout of up to CHF 15,000 is possible.
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Freely available: You can use the money as you wish, without having to justify the expenditure.
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The insurance cover is valid worldwide.
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Lump-sum payout upon an inpatient hospital stay, available once a year.
We will be happy to take the time to explain the advantages of hospital lump-sum insurance 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.
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 hospital lump-sum insurance
Hospital lump-sum insurance is a fixed-sum insurance. In the event of an inpatient hospital stay, Visana pays you the agreed lump sum.
Although basic and top-up insurance from health insurance funds does cover medical costs, they do not provide financial support for additional expenses that can arise during a hospital stay. With hospital lump-sum insurance, you receive a lump-sum payment that you are free to use as you wish – be it for a more comfortable room, domestic assistance or other personal needs. This gives you the freedom to focus entirely on your recovery.
You receive the amount that you have specified. In cases of larger sums, comprising CHF 5,000 or more, the maximum amount is only paid out if the hospital stay lasts two days or longer. You receive the amount upon presentation of the hospital invoice. In order to assess entitlement to this benefit, Visana can ask the treating physician for any necessary information.
Visana offers hospital lump-sum insurance to people aged between 19 and 70.
You are entitled to the lump sum after just 24 hours. If the sum is CHF 6,000 or more, you receive the full amount after a stay of 48 hours or longer. The payment is made directly to your account, so that you can use the money where it is most urgently needed.
Yes. You do not need to provide any evidence of how you spend the money and you are completely free to use it as required – whether for greater comfort in hospital, for domestic assistance or for recovery after your stay. You can also use it to cover the deductible that you have to pay in the event of a hospital stay.
Yes. You are covered both in Switzerland and abroad, and can rest assured that the financial support will reach you quickly, wherever you are.
If you do not make a claim during a particular year, your insured lump sum remains in place. Payout only happens if an inpatient hospital stay has actually occurred. The lump sum can be claimed again every year, if the conditions are met.
Downloads
Conditions of insurance
Fact sheets
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