myFlex Hospitalisation Insurance

Hospitalisation Insurance gives you a choice whenever you need treatment in hospital, making it the ideal supplement to basic insurance.

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The advantages for you

Free choice of hospital and hospital ward throughout Switzerland.
Worldwide emergency cover.
Contributions towards births at home or in a birth centre.
Exclusive additional benefits for outpatient treatment at a hospital.

Better protection

myFlex Hospitalisation Insurance covers costs that are not paid under basic insurance.

Increase your insurance

The upgrade option lets you switch to the Balance or Premium level without any further questions about the state of your health.

Free for children

Insure your children for free with myFlex Economy Hospitalisation Insurance.

How Hospitalisation Insurance works

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.

As individual as you are

Thanks to the Economy, Balance and Premium options, Hospitalisation Insurance can be perfectly adapted to your requirements. Choose the one that best matches your budget and needs.

Your premium at a glance

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Overview of benefits Overview of benefits

myFlex Hospitalisation Insurance

Economy

The right choice for closing gaps.

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Balance

Additional benefits at a fair price.

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Premium

Optimum protection giving you all-round security.

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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 HIA and CSS-recognised hospitals

Choice of any hospital

Max. CHF 500,000/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

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

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

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

You also benefit

myCSS client portal

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Top prices for you

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Smart savings

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Health offers

We provide support with every aspect of your health.

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Earn up to CHF 600

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Check symptoms

Get a recommendation, book a doctor's appointment and much more.

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Frequently asked questions

Why do I need Hospitalisation Insurance?

Basic insurance doesn’t cover all your medical expenses. myFlex Hospitalisation Insurance lets you plug important gaps in your basic insurance if you need to go into hospital and protects you against costs. Calculate your premiums now.

What are Economy, Balance and Premium?

Thanks to the Economy, Balance and Premium categories, Hospitalisation Insurance can be perfectly adapted to your requirements.

Can I go to any hospital in Switzerland?

Hospitalisation Insurance gives you a free choice of hospital anywhere in Switzerland.

Do I pay a retention fee under hospitalisation insurance?

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 in premiums in return. You also pay the deductible, retention fee and contribution to hospital costs under basic insurance.

How much of a retention fee do I pay?

The amount varies depending on the level of insurance (Economy, Balance, Premium) and the co-payment (high, low). You can find all the details in the overview of benefits.