Hospital private at a glance
Private hospital insurance from Visana gives you maximum comfort while you are receiving inpatient treatment in hospital. You have a free choice of hospital and attending physician throughout Switzerland and have the extensive privacy of a single room in which to recover. You even have optimal protection for emergencies abroad. What’s more, you benefit from a wide range of additional benefits, including rooming-in and contributions towards balneotherapy.
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Free choice of hospital throughout Switzerland
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Hospital treatment by senior consultant
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Single room for a better recovery and greater privacy
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Vacanza travel insurance included
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Personal support from our benefits centre – from planning hospitalisation through to aftercare
Benefits of hospital private insurance
| Services | Hospital private |
|---|---|
| Recognised hospitals | You have a free choice of hospital anywhere in Switzerland. |
| Choice of doctor | You have a free choice of senior consultant to treat you in hospital. |
| Room | You enjoy maximum privacy in a single room. |
| Rooming-in | During the first year of life, we pay 100% of accommodation and meal costs for mother or child. From the age of 1 to 13, we pay a maximum of CHF 50 per day for a companion. |
| Lump-sum birth benefit | You receive CHF 1,500 for an outpatient birth. |
| Convalescence treatment and balneotherapy | Balneotherapy: CHF 100 per day, max. 21 days Convalescence treatment: CHF 100 per day, max. 28 days |
| Save on premiums by covering out-of-pocket expenses | The more you contribute in out-of-pocket expenses, the lower your premium. This is also dependent on your age, gender and place of residence. |
| Vacanza travel insurance | For 11 months per trip |
| Insurance coverage in an emergency | Nationwide and globally for 11 months per trip |
You will find a complete overview of all the benefits this product provides in our benefits search function.
Discounts and savings options
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.
When you apply for Hospital private top-up insurance, we also need a completed health questionnaire. If you pass the risk assessment, you receive a 20% discount on your premium for your first year of insurance. This discount automatically lapses after the first year of insurance and is replaced by a 20% no claims bonus, provided you do not receive benefits.
You can save on your premium by choosing how much you want to pay in out-of-pocket expenses (e.g. CHF 1,000, CHF 2,000, CHF 5,000 or CHF 10,000).
Is Hospital private top-up insurance right for you?
Hospital private top-up insurance is suitable for people who want only the best when it comes to medical care, privacy and comfort.
How Hospital private 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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Tell us that you will be going to hospital as soon as possible so we can check whether 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.
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Let us know straight away if you are dissatisfied with the service provided by the hospital.
Restriction on hospital choice
To ensure that the premiums for Hospital private top-up insurance remain affordable, Visana may refuse to pay some or all costs at certain hospitals. Please contact us before any hospital stay – to enable us to find the best solution for you and to prevent additional costs from arising.
You will find all the details here.
Your advantages with Hospital private insurance
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Free access to all Visana-recognised Swiss hospitals
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Treatment by senior consultant in hospital
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Maximum comfort and privacy in a single-bed room
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Full cost coverage in a private ward
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Vacanza travel insurance included
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Personal support provided by our benefits centre – from planning to aftercare
We will be happy to take the time to explain the advantages of our top-up hospital insurance products to you at no obligation.
Useful services for you
Cleverly insured, optimally supported. These services assist you:
If a hospital stay is imminent, report it to us using the online form or by phone on 0848 848 899 (DE/FR/IT).
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 Hospital private insurance
In the Hospital private insurance model, you treat yourself to maximum comfort and privacy. You get a single room in a private hospital ward. You are free to choose both the hospital and the treating physician.
Good to know: Our benefits centre provides you with personalised support on all matters relating to your hospital stay – from planning, through to aftercare.
Private cover means that you are accommodated in a single room during an inpatient hospital stay. You get a free choice of doctor, maximum comfort and more benefits than someone with semi-private cover.
The Hospital private insurance model is worthwhile for people who value comfort and privacy very highly. Being accommodated in a single room gives you more peace and quiet, for a better recovery. You are free to choose your treating physician, even from among senior consultants or specialists who are not covered by basic insurance. Another advantage is the free choice of hospital throughout Switzerland. You do not have to be treated at a hospital in your canton of residence, as is the case with basic insurance. In addition, you are also optimally insured in the event of emergencies abroad.
The difference has to do with the benefits covered by the insurance. The private insurance model gives you more comfort, as you stay in a single room. In the semi-private insurance model, you share the room with one other person. Hence the name “semi-private”. Furthermore, the lump-sum birth benefit and the contributions towards balneotherapy are higher in the private model than with the semi-private option.
The premium depends on various factors. These include the out-of-pocket expenses, canton of residence and age.
Downloads
Conditions of insurance
Overview of benefits
Fact sheet
Forms
Useful lists
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