Hospita Flex Private hospitalisation insurance

Buy supplementary hospitalisation insurance online

Use our premium calculator to put together your insurance cover in just a few clicks and then complete your purchase online.

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Overview of benefits

Free choice of hospital ward (general, semi-private or private) before every hospital stay
Free choice of doctor in the semi-private and private ward
Full cover in the general, semi-private or private ward of public and private hospitals under contract with SWICA in Switzerland and Liechtenstein
Generous supplementary benefits for convalescence and medical spa treatment
Transparent co-payments depending on choice of hospital ward:
- General ward: no co-payments
- Semi-private ward: CHF 300 per day, max. CHF 6'000 per year
- Private ward: CHF 400 per day, max. CHF 8'000 per year

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.

Downloads & directories

Directory of hospitals

Exclusive services and advantages for SWICA customers with hospital insurance

Second medical opinion from santé24 and from doctors from meinezweitmeinung.ch to help you make a decision
Up to 15% discount on Hospita plans if you actively use the Benevita health coach app (find out more)
Financial support for personal care of your child in case of illness or accident (Home Nanny service)

Free services

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Switch to the number 1 in customer satisfaction now

Comparis, bonus.ch, AmPuls and moneyland.ch – in comparisons of health insurers, SWICA outperformed all the major Swiss health insurers to secure first place overall for customer satisfaction. You too can place your trust in SWICA and benefit from the exclusive advantages it offers.

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Increase your protection with our supplementary insurance plans

Complementary medicine, fitness, vaccinations, dental work, glasses and more: With SWICA's supplementary insurance plans, you can extend your cover to suit your needs and receive attractive contributions towards health promotion and preventive healthcare.

Go to the supplementary insurance plans

Save on premiums with discounts and a lower co-payment

If you buy both basic and supplementary insurance from SWICA, you automatically benefit from reduced co-payments. By combining your cover with the Santé basic insurance model you can also reduce your hospitalisation premium by 15%.

More information

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Save up to 15% on premiums

The Benevita app motivates you to exercise more, take time to relax, and eat better. Not only do you benefit from a healthy lifestyle, you also get up to a 15% discount on Hospita hospitalisation insurance so you can lower your premiums.

Learn more about the detailed discounts

How your premium discount breaks down

The Benevita discount is based on the level you reached individually, as shown in the app. The Special Conditions explain the details of the Benevita programme. You earn points by completing challenges. All three discount levels must be achieved to benefit from the highest Benevita discount. This means collecting a total of 2'500 points.

Supplementary insurances	Completa Top Completa Forte	Hospita (excluding Hospita General)
Grado discount 1: 300 points	5% discount	5% discount
Grado discount 2: plus 700 points	5% discount	10% discount
Grado discount 3: plus 1'500 points	5% discount	15% discount