KLuG
Krankenversichert. Individuell beraten.
Basic insurance
Supplementary insurance
The HOSPITAL FLEX supplementary hospital insurance plan grants you full flexibility in the choice of ward for an attractive premium. You decide on a case-by-case basis whether you would like to be treated on a general, semi-private or private ward. Both the benefits offered and your deductible vary according to the choices you make.
HOSPITAL FLEX 1
General ward: No excess
Semi-private ward: 35% excess, up to CHF 3'000.– per year
Private ward: 50% excess, up to CHF 9'000.– per year
HOSPITAL FLEX 2
General ward: No excess
Semi-private ward: 20% excess, up to CHF 2'000.– per year
Private ward: 35 % excess, up to CHF 4'000.– per year
Choice of a hospital
Free choice of a hospital throughout Switzerland.
Choice of a doctor
Free choice of a doctor is insured in accordance with the chosen hospital ward: shared room, double room or single room.
Room comfort level
Insured in accordance with chosen hospital ward.
In-patient treatment abroad
HOSPITAL FLEX 1: up to CHF 500.– per day
HOSPITAL FLEX 2: up to CHF 1'000.– per day
Rooming - in
Contribution to costs for an accompanying person in the hospital.
HOSPITAL FLEX 1: up to CHF 50.– per day
HOSPITAL FLEX 2: up to CHF 100.– per day
Lump sum birth allowance
If birth takes place in the hospital or birthing clinic:
HOSPITAL FLEX 1: CHF 500.– per birth
HOSPITAL FLEX 2: CHF 1'000.– per birth
Qualifying period
For maternity benefits there is a qualifying period of 365 days from the date the insurance application has been signed. During this period maternity-related in-patient hospital stays are covered only on the general ward in the canton of residence. Once the qualifying period has expired, a coverage according to the selected variant also for maternity-related reasons is applicable.
The following can be optionally included in the insurance:
Domestic help:
HOSPITAL additional module: 30 days, up to CHF 50.– per day
Spa and convalescence treatments:
HOSPITAL additional module: 21 days, up to CHF 100.– per day
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