Semi-private insurance is one of the three available insurance options next to private and public health insurances. Even though they are less financially-straining than private insurance policies, semi-private insurances can add up to a significantly higher amount compared to the one you have to pay for the basic public health insurance.
Advantages of semi-private insurance
There are two major advantages of semi-private insurance:
- Ability to go to a hospital of your choice
- Ability to see a doctor of your choice
Obtaining semi-private insurance enables you to choose your hospital freely, without limiting you to hospitals in your home canton. However, it is important to know that not all insurance companies have contracts will all hospitals in Switzerland, especially with more expensive ones. So be sure to check whether your chosen hospital is on the insurer’s list of partners.
Another important feature of this type of insurance is the ability to stay in a double bedroom hospital room, that is, in a semi-private ward.
Regarding your choice of doctor, you can see a medical professional of your choice.
Premiums and prices
Age is one of the factors which affects the amount of the premium. Depending on the insurance company, the premium differences can be quite notable.
As far as deductibles go, if you decide to pay a higher deductible, your premium will be lower. When deciding on the amount of the deductible you would like to pay, know that once you and your insurer agree on it, there is no guarantee that you will have the ability to change or lower this amount.
It is quite often possible to get a discount for long-term semi-private insurance policies. On the other hand, signing up for a short-term, one-year policy definitely gives you more flexibility since you’re only allowed to change your policy yearly in case you’re not satisfied with the one you have.
A very interesting benefit some insurance providers offer is the payback option for choosing to stay in a standard ward instead of a semi-private one, providing that the hospital offers both options. This financial option means that the insurance company can pay out a benefit which can range from 100 to 150 CHF per day of your hospital stay.
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