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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.  

Overview of benefits

These figures 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 including associated lists issued by Sanitas.

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.

Dangerous activities are excluded

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.

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