Your supplementary hospital insurance with Switzerland-wide coverage in the private ward (single room) at hospitals and doctors recognized by Helsana, including free choice of doctor and attractive additional benefits.

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  • Stay in the private department (single room)
  • Free choice of doctor throughout Switzerland
  • Right to a second expert opinion

Insured services

Helsana Versicherungen AG will reimburse you for the following services in addition to the statutory benefits of the basic insurance from the HOSPITAL Privat supplementary hospital insurance:

Hospital stays in Switzerland
You receive 100% of the costs in the private ward including free choice of doctor and hospital throughout Switzerland.
Hospital stays abroad
You will receive 100% of the costs for emergency and targeted treatment abroad.
Expert second opinion
You have the right to an expert second opinion.
Fast Track
You get faster appointments with specialists and specialists.
Nanny Service (child care service)
You will receive up to 120 hours of nanny service per calendar year if you have to be hospitalized as an inpatient.
KidsCare (child care)
If your child has an accident or becomes ill, you will receive up to 120 hours of KidsCare per calendar year.
Birth allowance
For a home birth or a birth that takes place on an outpatient basis in a hospital or birthing center, you will receive a one-off birth allowance of 3,000 francs.
What does my basic insurance cover?
No benefits from basic insurance. The mother does not receive any birth allowance when she gives birth.
Bath and relaxation treatments
You will receive up to a maximum of 200 francs per day for a maximum of 21 days per calendar year for bathing and relaxation treatments.
Household help
You will receive up to a maximum of 200 francs per day for a maximum of 30 days a year for household help.
Acute and transitional care
You will receive up to a maximum of 240 francs per day for a maximum of 14 days per calendar year for accommodation and meals during inpatient acute or transitional care in a nursing home.
Travel costs
For inpatient procedures, you will receive up to a maximum of 500 francs per calendar year for documented travel costs to and from the hospital in Switzerland (official taxi, Red Cross vehicle or public transport).
What does my basic insurance cover?
Compulsory health insurance contributes to the costs of medically indicated patient transport and rescue.
Refund for stay in general ward
If you decide to receive treatment in the general or semi-private ward instead of the private ward before entering hospital, you will receive a refund of 3,000 or 1,000 francs.
Requirement: hospital stay of at least three nights


Helsana Versicherungen AG no longer offers the following supplementary hospital insurance policies. Information about these products can be found in the respective insurance conditions:

Frequently Asked Questions

Why do I need additional hospital insurance?
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 the hospital is on your hospital list Canton of residence is listed (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 one 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.
What exactly does free choice of doctor mean?
Free choice of doctor in the hospital means that you can choose the treating doctor yourself in a hospital recognized by Helsana. For example, you can have the head doctor operate on you personally.
Please note: There may be costs associated with affiliated doctors not recognized by Helsana, which you will have to cover yourself.
Can I go to any hospital in Switzerland?
Basically, you enjoy free choice of hospital throughout Switzerland. However, certain hospitals and clinics are not recognized by Helsana. Therefore, there may be costs that you have to cover yourself.

Therefore, please ask Helsan Versicherungen AG beforehand whether they will cover the entire cost of your hospital stay.
What is Fast Track?
Anyone who wants to see an ophthalmologist, orthopedist or other specialist often waits for months for an appointment. With Fast Track, you can get an appointment with specialists and specialists at Helsana Versciherungen AG's partner clinics within just five working days.
What's the point of an expert second opinion?
If you have a serious illness such as
If you have cancer, you can have the diagnosis and recommended treatment reviewed by a leading specialist. This expert is a leading specialist in his field in Switzerland. He assesses whether the therapy corresponds to the latest medical standards and your needs. Thanks to his second opinion, you can see more clearly and make more considered decisions.
Who can take out HOSPITAL semi-private insurance?
You can take out the insurance if you live in Switzerland (official residence) and have a health declaration with a positive acceptance letter from Helsana Versicherungen AG.
How and when can I cancel the insurance?
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 your health insurance company by the last working day in November at the latest.
Is there a waiting period?
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.
How can I save on premiums?
You can voluntarily take out this supplementary hospital insurance with a selectable annual deductible (annual personal contribution to the costs incurred). This means you take on more responsibility and can save up to a maximum of 35% on premiums.
If you have two family members insured under the same contract, Helsana Versicherungen AG will grant you a 5% family discount on this and other additional insurance policies, and if you have three people or more, you will receive a 10% family discount.