As you get older, you’re more likely to need hospital treatment. It pays to look ahead and use Hospital Upgrade to give yourself the option of upgrading from general to semiprivate or from semiprivate to private supplementary hospital insurance at a later date – without having to undergo another medical exam.
Before admission to hospital, you can also choose whether you want to upgrade from the semiprivate to the private ward. Sanitas pays a share of the additional costs.
When you’re young and healthy, you can save money on your premiums by opting for general ward insurance. But as you get older, it makes sense to switch to semiprivate or private cover. You benefit from being treated by experienced senior or chief consultants and can enjoy the peace and quiet of a two-bed or single room. You choose when to switch and can exercise the option every two years until the cover expires. The insurance plan runs for up to 20 years. Children who take out this supplementary insurance plan before the age of 15 can switch supplementary hospital insurance up to the age of 38.