Generous discounts and top hospital insurance benefits

Reduce your premium by increasing your co-payment, or enjoy additional discounts by opting for a Hospita-Flex model or use actively the Benevita health coach app.

Compare and optimise premiums

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Optimization of hospital insurance

Depending on your choice of Hospita insurance model you can receive premium discounts of up to 64.6%.

Hospita insurance models	Premium discount in %
Hospita Flex Semi-Private	59.6
Hospita Flex Private	64.6

Hospita Flex
A Hospita Flex Semi-Private or a Hospita Flex Private plan gives you access to all public and private hospitals in Switzerland. You decide before each hospital stay whether you want the general, semi-private or private ward. No co-payments apply when you choose the general ward. If you prefer to get treatment in a semi-private or a private ward, a co-payment plan that was agreed in advance comes into effect.

Go to the Hospita insurance plans

Transparent and favourable co-payments

SWICA is the only health insurer that applies co-payments from basic insurance to those of your supplementary insurance with SWICA, which means your maximum annual co-payments will be much lower compared to other health insurers.

Example of rate increases for hospitalisation insurance

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. This often results in a heavy financial burden in old age. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.