HOSPITAL FLEX

Supplementary hospital insurance supplements the benefits of your basic insurance in the event of an inpatient hospital stay according to your wishes.
Basic insurance only reimburses the tariff set in your canton of residence for the stay and medical treatment in the general ward (multi-bed room), provided that the hospital is on the hospital list of your canton of residence (listed hospital) or you need to be treated in a hospital outside the canton for medical reasons . You have to pay for any services that go beyond this yourself - for example, household help after an acute hospital stay or childcare while you recover in the hospital. These additional services in particular provide financial relief and more relaxation.

HOSPITAL FLEX is ideal if you want to choose a new department each time you stay in hospital. The selected department determines the room comfort and the additional services:
For minor procedures, a hospital stay in the general ward is often sufficient. There are no additional costs for you as a patient.
If you have a longer hospital stay, you may want more peace and privacy. In this case, you can choose the semi-private (double room) or private department (single room) for an additional charge (share of costs).
You may only want to have certain operations carried out by a specific doctor - for example if it is a particularly complicated procedure. However, the free choice of doctor is only available in the semi-private and private departments.

HOSPITAL FLEX is so cheap because you only pay for what you really need.
If you are only interested in covering high hospital costs, only complete the main module in the FLEX 1 or FLEX 2 variant. However, if you would also like to contribute to the costs of treatments, household help and other additional services, you can also complete the FLEX supplementary module.

With the HOSPITAL FLEX supplementary hospital insurance, you do not have to contribute to the hospital costs for hospital stays in the general ward.
If you choose the semi-private or private ward, you must contribute a percentage of your hospital costs:
Semi-private department
FLEX 1 variant: 35% cost contribution, max. 3,000 francs per calendar year
FLEX 2 variant: 20% cost contribution, max. 2000 francs per calendar year
Private department
FLEX 1 variant: 50% cost contribution, max. 9,000 francs per calendar year
FLEX 2 variant: 35% cost contribution, max. 4,000 francs per calendar year

No. The free choice of doctor only applies to hospital stays in the semi-private or private ward. If you choose the general ward, you cannot choose your operating doctor yourself.

Basically, you enjoy free choice of hospital throughout Switzerland. However, certain hospitals and clinics or their departments or tariffs are not recognized by Helsana. Therefore, there may be costs that you have to cover yourself.
Please ask Helsana beforehand whether they will cover the entire cost of your hospital stay.

You can take out the insurance if you meet the following requirements:
Your official residence is in Switzerland.
HOSPITAL FLEX 1 variant: You are younger than 70 years old when the insurance begins.
HOSPITAL FLEX 2 variant: You are younger than 50 when you start the insurance.
You will receive a positive acceptance letter from Helsana Versicherungen AG. To assess the risk, you will need your fully completed health declaration.

The minimum term is one year. The contract is automatically extended for another year each year when it expires.
You can cancel the insurance on December 31st and switch to another health insurance company in Switzerland. A notice period of three months applies. The cancellation must be received by your health insurance company by the last working day in September at the latest. If the insurance premium changes, a one-month notice period applies. The cancellation must then be received by the health insurance company by the last working day in November at the latest.

A waiting period is the time (from the beginning of a contract) during which you are not yet entitled to insurance benefits. The length of a waiting period can vary depending on the insurance benefit.
In the case of maternity, a waiting period of 365 days applies. You can therefore only receive benefits after the end of the first insurance year at the earliest. In the first year, your hospital stays due to maternity are only covered by basic insurance - for example for the birth and the postpartum period. The costs for the stay, care and treatment in the general ward (multi-bed room) will be reimbursed according to the tariff in your canton of residence.
Benefits as a result of illness or accident are covered from the start of the insurance.

Helsana Versicherungen AG grants you a 5% family discount on this and other additional insurance policies for two or more family members who are insured under the same contract, and for three or more people it is 10% % family discount.

A pure room upgrade is not possible. HOSPITAL FLEX is a package insurance consisting of hotel comfort and costs for choosing a doctor. If you want a single room, you will be treated like a private patient including free choice of doctor and additional comfort; As a result, however, you also have to bear the corresponding cost share for the private department. If you choose the general ward, Helsana Insurance A will cover any additional costs if you choose a hospital outside your canton of residence for treatment.