Hospital Insurance Comparison 2026
More privacy and the best medical care. Find the right hospital coverage for your needs.
What are the Benefits of Hospital Insurance?
In basic insurance, you are treated in a shared room in your canton of residence and have no choice as to which doctor operates on you. With hospital supplementary insurance, you enjoy significantly more privacy and can choose the best specialist throughout Switzerland for your procedure. Whether semi-private or private – invest in your recovery with maximum comfort.
- ✔ Free choice of doctor: Be treated by the chief physician or a specialist of your choice.
- ✔ Room comfort: Stay in a single (private) or double room (semi-private).
- ✔ Switzerland-wide clinic choice: Free choice between public hospitals and private clinics.
- ✔ Rooming-in: Coverage of accommodation costs for accompanying persons for children.
- ✔ Wellness & Rehab: Contributions to spa and recovery stays after surgery.
Questions about Hospital Insurance
Semi-private means accommodation in a double room and treatment by the senior physician. Private offers a single room and treatment by the chief physician. In both cases, you have free choice of hospital throughout Switzerland.
Yes, if you want to be operated on in a canton other than your residence canton. Basic insurance only covers your home canton's tariff – if the clinic in Zurich is more expensive, you would have to pay the difference yourself without supplementary insurance.
There is no legal limit, but from age 55 or 60, the health check becomes very strict and premiums rise significantly. Signing up early is worthwhile.
Many hospital supplementary insurances include coverage for emergency treatments worldwide that goes far beyond what basic insurance (double home canton tariff) pays.
The Three Levels of Hospital Coverage
Choose the model that fits your budget and comfort requirements.
Secure the Best Hospital Comfort?
A hospital stay is stressful enough. Take precautions and secure the best medical treatment. Compare now without obligation!
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Do you have questions about your insurance?
Our experts will advise you personally and find the best offer for your situation.