New: full cover even with a pre-existing condition
Hospital Upgrade
Switch whenever you choose
Flexible supplementary hospital insurance: Hospital Upgrade
Your bonus for the future: switch later to a higher category of hospital cover without a health check – thanks to Hospital Upgrade.
Key benefits
Who is Hospital Upgrade suitable for?
Hospital Upgrade is ideal for anyone who wants to have the option of semiprivate or private insurance cover in the future You must have already taken out the Hospital Standard Liberty or Hospital Extra Liberty hospital insurance plan and must be under 60 years of age.
Why Hospital Upgrade makes sense
The older you get, the more likely it is that you will experience a stay in hospital. With Hospital Upgrade, you secure the right today to choose a higher category of hospital cover in future – without the need for another health check. For greater privacy in hospital, more services and access to leading doctors.
Long entitlement to switch
After taking out Hospital Upgrade, you can take your time deciding whether to switch to a higher category of hospital cover: you can upgrade without another health check once within in a 20-year period from commencement of the insurance. You can switch every two years.
Full cover even with a pre-existing condition
With the individual premium supplement, Sanitas is the first health insurer in Switzerland to offer many people with pre-existing health conditions or consequences of accidents the option to take out supplementary insurance with full cover.
Overview of benefits
General ward
Hospital Standard Liberty |
Semiprivate ward
Hospital Extra Liberty | |
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| Calculate premium
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Calculate premium
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| Switzerland | Multi-bed room in Sanitas contractual hospitals in Switzerland |
2-bed room in Sanitas-accredited hospitals in Switzerland |
| Psychiatric clinics | Multi-bed room in Sanitas contractual hospitals in Switzerland, for a total of 180 days |
2-bed room in Sanitas-accredited hospitals in Switzerland, for a total of 180 days |
| EU/EFTA (in emergencies) | 100%, max. 180 days, for treatment outside the scope of bilateral agreements |
2-bed room, max. 180 days, for treatment outside the scope of bilateral agreements |
| Other countries (in emergencies) | 100%, max. 180 days |
100%, max. 180 days |
| Abroad (elective treatment) | – |
2-bed room, CHF 1,000 per day max. 180 days within a period of 360 days |
| Option of choosing category of ward | Semiprivate: 75%, copayment max. CHF 10,000 |
Private: 75% of accommodation, nursing care and treatment costs |
| Home nursing | CHF 20 per day, max. 90 days (in the event of maternity, max. 14 days within one month after the birth), towards nursing care provided by accredited nursing professionals |
CHF 50 per day, max. 90 days (In the event of maternity, max. 14 days within one month after the birth) and max. CHF 5,000, towards nursing care provided by accredited nursing professionals |
| Domestic help | CHF 10 per day, max. 90 days (in the event of maternity, max. 14 days within one month after the birth), for the person who runs the household |
CHF 25 per hour, max. CHF 750, for the person who runs the household:
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Max. 1 spa therapy |
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| Spa therapy in Switzerland and Abano / Montegrotto | CHF 10 per day, max. 21 days |
CHF 90 per day, max. 21 days |
| Convalescent therapy in Switzerland | CHF 10 per day, max. 21 days |
CHF 90 per day, max. 21 days |
– |
Max. CHF 100 per hospital stay | |
| Transport / rescue, and costs of travel during radiotherapy, chemotherapy or haemo-dialysis | 100%, max. CHF 20,000 |
100%, max. CHF 30'000.– |
| Transport abroad and repatriation | 100%, provided it is organised by Sanitas Assistance |
100%, provided it is organised by Sanitas Assistance |
Yes |
Yes | |
The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.
Downloads
Frequently asked questions
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What are the conditions for taking out Hospital Upgrade?
You can only take out Hospital Upgrade supplementary insurance in combination with the Hospital Standard Liberty or Hospital Extra Liberty hospital insurance plan.
You can apply for Hospital Upgrade up to the age of 60.
The switch to the next-highest category of hospital cover must take place by the insured’s 64th birthday.
Insured risks (illness, accident) and any limitations, restrictions, exclusions or cost share options are carried over following the upgrade in hospital cover.
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Under what conditions is the upgrade possible?
An upgrade is possible at the earliest on 1 January following the insured person’s second birthday .
An upgrade is possible at the earliest on 1 January that follows 24 months of cover under the Hospital Upgrade insurance plan .
If Hospital Upgrade has been taken out for a teenager up to 31 December before their 15th birthday, the upgrade to the next-highest category of hospital cover must take place at the latest on 1 January following the 36th birthday at the latest.
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Is a health check required to take out Hospital Upgrade?
If you take out Hospital Upgrade at the same time as the hospital insurance plans Hospital Standard Liberty or Hospital Extra Liberty, the health check also applies for Hospital Upgrade. If you apply to take out Hospital Upgrade at a later point in time, a new health check is required.
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