Supplementary hospital insurance for every need

Basic insurance covers the cost of hospitalisation and treatment on the general ward of a hospital in your canton of residence or in a hospital on the cantonal hospital list (minus deductible and copayment). For an inpatient stay, you will be charged an additional CHF 15 per day for accommodation and board in accordance with the Health Insurance Act.

Hospital insurance plans cover many costs not included under basic insurance. You also have a free choice of hospitals (either within Switzerland or worldwide depending on the plan you choose) and doctors, a single or two-bed room, cost coverage for innovative procedures, aids and implants, and support for household chores and home care. All the benefits can be found in the overview of benefits or the supplementary terms of the applicable supplementary insurance plan.

Important: don’t terminate your current supplementary insurance until you have confirmation of admission to your new Sanitas insurance plan. Deadlines for termination vary depending on the health insurer. Please check the exact deadlines with your health insurance company. The termination must be made in writing.

If the health insurance company increases or decreases the premium of your supplementary insurance, the notice period will be adjusted. You can then terminate your plan, for example, to the end of the year or within one month from the date of notification. Please check the exact deadlines with your health insurance company.

All insurance companies want to know what risk they are taking on when they accept an insurance application: Has the applicant listed many, few or no health problems when answering the health questions? Health insurers use the information provided to decide whether and under what conditions to accept the insurance application.