Inpatient treatment

With inpatient treatment, in addition to medical costs, the costs of accommodation and meals also have to be covered.

Basic insurance covers the cost of an inpatient stay in the general ward, provided that it is a recognised hospital or nursing home in your canton of residence.

As with outpatient treatment, insureds have to pay a share of the costs for hospitalisation through the deductible and copayment. 

The Health Insurance Act (KVG/HIA) also stipulates that patients have to pay a share of the board costs. Adults have to pay CHF 15 per day in hospital. This contribution is known as the hospital copayment. Children, young adults up to age 25 who are still in eduction or training and women drawing maternity benefits do not have to pay this contribution.  

Under basic insurance, you have a free choice of listed hospitals in your canton of residence.

You will find a directory of listed hospitals here.

If you want to be treated in a listed hospital outside your canton of residence, basic insurance will cover the costs if specific requirements are met: The treatment must be medically necessary or an emergency. In other cases, basic insurance will only cover the costs if they are not higher than those in your canton of residence.

If the hospital is not included in the list of hospitals, the costs cannot be settled under basic insurance. In this case you will need a supplementary insurance plan with free choice of hospitals. Sanitas offers supplementary hospital insurance plans to meet a variety of needs.

For the semiprivate and private ward, you need supplementary insurance. 

Sanitas offers supplementary hospital insurance plans to meet a variety of needs.