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Accident Top Liberty – accident insurance for the private ward

Hospital accident private

This accident insurance provides first-class medical care and gives you the option of travelling abroad for follow-up treatment with specialists. The insurance also covers your accommodation costs in hospital if your child has to be hospitalised after an accident. It also covers the cost of home help if the person running the household has an accident.  

Who is this insurance suitable for?

For anyone up to the age of 65 who is only covered for the general ward or does not have accident cover through their employer. This includes, for example, the self-employed, freelancers, part-time employees working only a few hours a week, housewives/househusbands, students, children and young people.

The insurance does not cover accidents during sports such as motorcycle or car racing, boxing matches or diving to depths of more than 40 metres. You can download the List of dangerous activities.

Take out insurance online now

Many of our insurance plans can be taken out online. Would you prefer to speak to someone from Sanitas customer service? Then give us a call on 0800 22 88 44 between 9 am and 8 pm, Monday to Friday.


The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.


The amounts listed are for maximum benefits and, unless specified otherwise, are valid for each calendar year. Benefits are granted only in accordance with the Swiss Federal Health Insurance Act (KVG/LAMal) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.

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Basic insurance
Choose your model
  • Five models for basic insurance
  • Free choice of doctors, telemedicine, family doctor or HMO practice
  • Premium discount of up to 15%
Insurance models
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Supplementary insurance plans
Supplement basic insurance benefits
  • Cover costs that exceed basic insurance
  • Money towards additional treatments such as alternative medicine
  • Contributions towards preventive care such as check-ups
Supplementary insurance
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Supplementary hospital insurance plans
Choose a hospital ward
  • General, semiprivate or private
  • Free choice of doctors and hospitals in Switzerland and abroad
  • Greater flexibility thanks to Hospital Upgrade
Hospital insurance