Hospital accident insurance
For the highest standards
Supplementary hospital insurance for accident:
Accident Liberty
Accidents happen. With private or semiprivate accident insurance, you have the best possible cover if the worst comes to the worst.
The main benefits
Who is Accident suitable for?
For anyone up to the age of 65 who is only covered for the general ward or does not have accident cover through their employer. This includes, for example, the self-employed, freelancers, part-time employees working only a few hours a week, housewives/househusbands, students, children and young people.
Why it’s a good idea to take out hospital accident insurance
Suva registered over 500,000 leisure accidents in Switzerland in 2023 alone – and a large part of these required hospital treatment. If you work for fewer than eight hours a week for the same employer, you are not automatically insured against accidents in your free time. This also applies to the self-employed, housewives/househusbands, students, children and young people.
Overview of benefits
Semiprivate ward
Accident Extra Liberty |
Private ward
Accident Top Liberty | |
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| Calculate premium
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Calculate premium
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| Acute inpatient treatment | Two-bed room in Sanitas-accredited hospitals in Switzerland |
Single room in any hospital worldwide |
| EU/EFTA (in emergencies | Two-bed room, for a maximum of 180 days, for treatment outside the scope of bilateral agreements |
Single room, unlimited, for treatment outside the scope of bilateral agreements |
| Rooming-in | Accommodation costs for people accompanying infants undergoing inpatient treatment |
Accommodation costs for people accompanying infants undergoing inpatient treatment |
| Home nursing care | CHF 50 per day, max. 90 days and max. CHF 5,000, towards care provided by accredited nursing professionals |
100%, max. 90 days, towards care provided by accredited nursing professionals |
| Domestic help | CHF 25 per hour, max. CHF 750 per year, for the person who runs the household:
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CHF 25 per hour, max. CHF 1500 per year, for the person who runs the household:
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| EU/EFTA (in emergencies) | 90%, for a maximum of 180 days, for treatmentoutside the scope of bilateral agreements |
90%, for a maximum of 180 days, for treatmentoutside the scope of bilateral agreements |
| Other countries (in emergencies) | 90%, for a maximum of 180 days |
90%, for a maximum of 180 days |
| Replacement of personal effects | CHF 2,000 per claim for cleaning, repairing or replacing damaged clothes |
CHF 2,000 per claim for cleaning, repairing or replacing damaged clothes |
| Medical aids | 80%, maximum of CHF 500 per calendar year |
80%, maximum of CHF 1,000 per calendar year |
| Sanitas Assistance | 24-hour telephone service for worldwide support in medical emergencies |
24-hour telephone service for worldwide support in medical emergencies |
| Medical assistance abroad and repatriation | 100%, provided it is organised by Sanitas Assistance |
100%, provided it is organised by Sanitas Assistance |
| Transport / rescue | 100%, max. CHF 30,000 |
100%, unlimited,search costs max. CHF 20,000 per claim |
Downloads
Frequently asked questions
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Which sports are excluded from cover?
This includes sports such as motorbike or car racing, boxing matches or diving to depths of more than 40 metres. The List of dangerous activities provides an overview.
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Can I switch to a private ward with my semiprivate insurance?
Yes, before admission to hospital you can choose whether you want to upgrade from the semiprivate to the private ward. Sanitas pays 75% of the costs.
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Do I have a free choice of hospitals and doctors?
With Accident Extra Liberty semiprivate accident insurance, you can choose your doctor from the list of Swiss hospitals recognised by Sanitas, which currently includes almost all clinics in Switzerland. Accident Top Liberty private accident insurance offers a free choice of doctors and hospitals worldwide.
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Do the Accident supplementary hospital insurance plans cover outpatient or inpatient treatment?
The insurance benefits apply for inpatient treatment and for outpatient treatment in emergencies abroad, for example for a concussion that does not require surgery or similar measures. This means that the person receiving treatment stays in hospital for at least one night, either before or after the procedure.
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What do I have to do in the event of an accident?
In the event of an accident, you must notify Sanitas directly before the start of treatment. If you are unable to do so for health reasons, you must report the treatment within 6 days. Otherwise Sanitas may not be able to cover the costs, because a commitment to cover costs must be agreed with the healthcare provider in advance.
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Does the insurance also cover benefits abroad?
Yes – the Accident Extra Liberty semiprivate accident insurance covers emergency hospitalisation abroad for 180 days if transport home is not yet possible, plus medical assistance including repatriation.
Accident Top Liberty private accident insurance covers free choice of doctors and hospitals worldwide even for elective treatment. And also covers the cost of medical assistance abroad, including the cost of repatriation, transport and rescue. A maximum limit of CHF 250,000 per hospital stay applies for elective treatment. There is no maximum limit for emergencies.
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