myFlex Hospitalisation Insurance
Private, semi-private or general – Hospitalisation Insurance gives you freedom of choice whenever you need treatment in hospital, making it the ideal supplement to basic insurance.
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The advantages for you
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Private, semi-private or general: choose the ward before going into hospital.
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Free choice of doctor and hospital throughout Switzerland.
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No limit to the amount assumed for emergency treatment worldwide.
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Contributions towards births at home or in a birth centre.
- myFlex Hospitalisation Insurance includes: The Health Account for fitness & much more, the enjoy365 Health Shop and the active365 rewards app.
How Hospitalisation Insurance works
Do you need to go into hospital? myFlex Hospitalisation Insurance makes sure you are ideally prepared.
Free choice of hospital
You decide at which hospital in Switzerland you wish to be treated. And before being admitted, you choose whether you’d like to stay in a general, semi-private or private ward and which doctor should treat you.
How much does myFlex Hospitalisation Insurance cost?
Premiums vary depending on your age, gender and chosen category. Thanks to the Economy, Balance and Premium categories, Hospitalisation Insurance can be perfectly adapted to your needs. You decide when entering into the contract how high your retention fee for a stay in hospital should be. Choose the option that best matches you and your budget.
Good to know about myFlex Hospitalisation Insurance
myFlex Hospitalisation Insurance offers benefits including: cost coverage for stays in hospital, spa and recovery cures, inpatient psychiatric stays, and more.
Hospitalisation: inpatient with overnight stay
When being treated as an inpatient, you go into hospital either on the day of the procedure or the day before. You then stay in hospital for at least one night. Surgery or no surgery? Sometimes a neutral second opinion is needed.
Outpatient with exclusive additional benefits
More and more operations are being performed on an outpatient basis. That means procedures where you are able to go home a few hours after the operation and don’t have to stay overnight in hospital. myFlex Hospitalisation Insurance lets you enjoy exclusive additional benefits for outpatient treatment, greater comfort and more privacy.
Increase your cover, no health questions asked
Choose the Upgrade option. This gives you the flexibility to tailor your insurance to your own personal circumstances, regardless of your state of health. The option may be exercised every 5 years (at the age of 20, 25, 30, etc. up to age 70).
Participation in cost of fitness, yoga and more
If you have myFlex Hospitalisation Insurance, you benefit from the Health Account. We provide support – of up to CHF 800 per year – for your health-related activities through the Health Account.
Overview of benefits Overview of benefits
myFlex Hospitalisation Insurance
Elective treatment in Switzerland, emergency treatment worldwide
Elective treatment in Switzerland, emergency treatment worldwide
Elective treatment in Switzerland, emergency treatment worldwide
Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded and will be invoiced each calendar year.
Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded and will be invoiced each calendar year.
Choice of ward before admission to a hospital or clinic. The co-payment is determined on the basis of the ward chosen when the contract is concluded and will be invoiced each calendar year.
Choice of HIA and CSS-recognised hospitals
Choice of HIA and CSS-recognised hospitals
Choice of any hospital
Max. CHF 500,000 / calendar year
Exclusive additional benefits for outpatient treatment at a hospital: free choice of doctor and appointment, privacy in hospital, overnight accommodation, cost coverage in CSS partner clinics, max. CHF 900 / calendar year.
Additional benefits: parking charges, travel costs, childcare, etc. max. CHF 300 / calendar year.
Exclusive additional benefits for outpatient treatment at a hospital: free choice of doctor and appointment, privacy in hospital, overnight accommodation, cost coverage in CSS partner clinics, max. CHF 1,400 / calendar year.
Additional benefits: parking charges, travel costs, childcare, etc. max. CHF 500 / calendar year.
Choice of HIA and CSS-recognised hospitals, for max. 60 days / calendar year
Choice of HIA and CSS-recognised hospitals, for max. 90 days / calendar year
Choice of any clinic, no limit
Together max. CHF 20 / day, up to max. CHF 500 / calendar year
Together max. CHF 80 / day, up to max. CHF 2,000 / calendar year
Together max. CHF 160 / day, up to max. CHF 4,000 / calendar year
Choice of HIA and CSS-recognised birth clinics
Choice of HIA and CSS-recognised birth clinics
Choice of HIA and CSS-recognised birth clinics
CHF 1,000 per birth without substantiation of costs
CHF 1,500 per birth without substantiation of costs
CHF 2,000 per birth without substantiation of costs
For max. 10 days after the birth
For max. 30 days after the birth
For max. 60 days after the birth
Up to 10 weeks after the birth, max. CHF 100 / day
All costs for up to 10 weeks after the birth
For a person accompanying a child, max. CHF 80 / day, up to max. CHF 2,000 / calendar year
For a person accompanying a child or an adult, max. CHF 160 / day, up to max. CHF 4,000 / calendar year
Max. CHF 500 / case
Max. CHF 4,000 / case
Max. CHF 10,000 / case
Choice of HIA and CSS-recognised hospitals, for max. 60 days / calendar year
Choice of HIA and CSS-recognised hospitals, for max. 90 days / calendar year
Choice of any clinic, for max. 180 days / calendar year
Max. CHF 500,000 / calendar year
Up to CHF 250 / calendar year; no accumulation with myFlex Outpatient Insurance
Up to CHF 1,000 / calendar year; no accumulation with myFlex Outpatient Insurance
Up to CHF 2,000 / calendar year; no accumulation with myFlex Outpatient Insurance
In HIA and CSS-recognised hospitals. Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment
Semi-private: 40%, up to CHF 8,000
Private: 70%, up to CHF 14,000
Option 2
General ward: no co-payment Semi-private: 20%, up to CHF 4,000
Private: 35%, up to CHF 7,000
Option 1
General ward: no co-payment
Semi-private: 40%, up to CHF 8,000
Private: 70%, up to CHF 14,000
Option 2
General ward: no co-payment Semi-private: 20%, up to CHF 4,000
Private: 35%, up to CHF 7,000
In HIA and CSS-recognised hospitals. Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment
Semi-private: 20%, up to CHF 2,000
Private: 35%, up to CHF 4,000
Option 2
General ward: no co-payment
Semi-private: no co-payment
Private: 35%, up to CHF 2,000
Option 1
General ward: no co-payment
Semi-private: 20%, up to CHF 2,000
Private: 35%, up to CHF 4,000
Option 2
General ward: no co-payment
Semi-private: no co-payment
Private: 35%, up to CHF 2,000
In all hospitals in Switzerland. Ward can be chosen before admission. Co-payment per calendar year:
Option 1
General ward: no co-payment
Semi-private: no co-payment
Private: 35%, up to CHF 2,000
Option 2
General ward: no co-payment
Semi-private: no co-payment
Private: no co-payment
Option 1
General ward: no co-payment
Semi-private: no co-payment
Private: 35%, up to CHF 2,000
Option 2
General ward: no co-payment
Semi-private: no co-payment
Private: no co-payment
Maternity benefits under myFlex Hospitalisation Insurance
Free choice of doctor, hospital ward or birth centre, nursing care for newborns and accompaniment by loved ones. Discover the maternity benefits under myFlex Hospitalisation Insurance.
Frequently asked questions
No. We recommend insuring the risk of accident. Excluding it is only recommended for persons who are insured through their employer for better cover than that prescribed by law. Exclusion results in a mere 7% premium reduction.
Hospitalisation Insurance gives you freedom of choice throughout Switzerland – with the exception of hospitals on the hospital list.
Yes. You pay a share of the costs of a stay in hospital in the form of a co-payment. The amount is determined by the chosen hospital ward and co-payment. A high co-payment means you take on more financial responsibility and pay less premiums in return. You also pay the deductible, retention fee and contribution to hospital costs under basic insurance.
There is no limit on the length of hospital stay for acute care. Limits only apply to stays in psychiatric clinics and rehab clinics:
Inpatient psychiatry
- Economy: maximum 60 days per calendar year
- Balance: maximum 90 days per calendar year
- Premium: maximum 180 days per calendar year
Outpatient / inpatient rehabilitation
- Economy: maximum 60 days per calendar year
- Balance: maximum 90 days per calendar year
- Premium: no limit
You can insure elective treatment abroad for up to CHF 500,000 under the Premium category.
Downloads
- Comparison of benefits myFlex (PDF)
- Brochure myFlex-Products (PDF)
- Information sheet: Outpatient hospital treatment – myFlex Hospitalisation Insurance (PDF)
- Hospitals without CSS-recognized general and / or semi-private, private ward (in german) (PDF)
- Hospital list with selected service providers – myFlex Hospitalisation Insurance (PDF)
- Pregnancy and birth - myFlex benefits supplementary insurance (PDF)
- Abroad – myFlex benefits at a glance (PDF)
- GIC - myFlex products, Version 01.2025 (PDF)
- Supplementary Conditions - myFlex Hospitalisation Insurance (PDF)
- Form for planned treatment abroad (PDF)
- Information sheet addicional medical services without a tariff agreement (PDF)
