New: full cover even with a pre-existing condition
Inpatient hospital insurance plans
Where extras come as standard
Inpatient hospital insurance:
Hospital Liberty
More comfort, choice and top-quality medical care for you – with general, semiprivate and private hospital insurance.
Key benefits
Who is Hospital Liberty suitable for?
Hospital Liberty is a good choice for anyone who wants to feel confident that they will receive the best possible treatment and care before, during and after hospitalisation.
Why supplementary hospital insurance makes sense
Mandatory basic insurance ensures you receive basic medical care. In the event of hospitalisation, additional benefits like a free choice of doctors and hospitals, more privacy in a single or two-bed room, rapid access to specialists and optimal care in the event of emergencies abroad make a huge difference.
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General supplementary hospital insurance: free choice of hospitals
Go to a contractual hospital of your choice
With the Hospital Standard Liberty general supplementary hospital insurance, the doors to all Sanitas contractual hospitals in Switzerland are open to you. Do you live in Graubünden, but would like to undergo your operation in another canton, for example at the Inselspital university hospital in Bern? With supplementary hospital insurance, that’s no problem.
Flexible upgrade to higher-category wards
You decide before admission to hospital whether you want to upgrade to a semiprivate or private ward for more comfort in hospital. There are also valuable benefits abroad, such as the organisation of medical treatment and medicines at your place of hospitalisation.
Additional benefits after a hospital stay
Proper recovery is important after a medical procedure: Sanitas contributes to the costs of home help, spa treatments, nursing care at home, and care at home after birth.
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Semiprivate supplementary hospital insurance: free choice of hospital and doctors
More freedom
A better recovery thanks to more privacy in a two-bed room – better treatment thanks to more choice of doctors and hospitals. You can count on this with Hospital Extra Liberty supplementary inpatient hospital insurance. You benefit from the free choice of all Sanitas-accredited hospitals worldwide. And you decide if you want to receive treatment from senior doctors and affiliated doctors.
Faster access to specialists
Specialists are sometimes booked out for months in advance. With the Hospital Extra Liberty semiprivate supplementary hospital insurance, you have faster access: The Priority Access service ensures you receive an appointment to see a specialist within just seven days.
A second medical opinion
A second medical opinion can help when you’re faced with an important decision about medical care. Your customer advisor will put you in touch with a Medgate doctor to get an independent second opinion.
Additional benefits after a hospital stay
Proper recovery is important after a medical procedure: Sanitas contributes to the costs of home help, spa treatments, nursing care at home, and care at home after birth.
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Private supplementary hospital insurance: for the highest demands
The best possible care
Maximum rest and recovery in a single bed-room: you can count on this with Hospital Top Liberty – in Switzerland and worldwide. You can choose the most suitable clinic or doctor to meet your needs. Your personal contact provides additional peace of mind: they answer any questions you may have about organisational matters.
Faster access to specialists
Specialists are sometimes booked out for months in advance. With the Hospital Top Liberty private supplementary hospital insurance, you get an appointment with a specialist within only three days.
A second medical opinion
A second medical opinion can help when you’re faced with an important decision about medical care. Your Sanitas customer advisor will put you in touch with a Medgate doctor to get an independent second opinion.
Family room during childbirth
Most hospitals with a maternity ward offer family rooms. However, these rooms are in great demand. Wherever possible, we’ll help organise a family room for you and cover the costs of overnight accommodation for an accompanying person.
Additional benefits after a hospital stay
Proper recovery is important after a medical procedure: Sanitas contributes to the costs of home help, spa treatments, nursing care at home, and care at home after birth.
Full cover even with a pre-existing condition
With the individual premium supplement, Sanitas is the first health insurer in Switzerland to offer many people with pre-existing health conditions or consequences of accidents the option to take out supplementary insurance with full cover.
Overview of benefits
Basic health insurance |
Private ward
Hospital Top Liberty |
General ward
Hospital Standard Liberty |
Semiprivate ward
Hospital Extra Liberty | |
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| Switzerland | General ward in hospitals on official list, up to tariff for canton of residence |
Single room in any hospital worldwide |
Multi-bed room in Sanitas contractual hospitals in Switzerland |
2-bed room in Sanitas-accredited hospitals in Switzerland |
| Psychiatric clinics | General ward in hospitals on official list, up to tariff for canton of residence |
Single room in any hospital worldwide |
Multi-bed room in Sanitas contractual hospitals in Switzerland, for a total of 180 days |
2-bed room in Sanitas-accredited hospitals in Switzerland, for a total of 180 days |
| EU/EFTA (in emergencies) | Accommodation, nursing care and treatment as per the bilateral agreement on the free movement of persons |
Single room, unlimited amount, for treatment outside the scope of bilateral agreements |
100%, max. 180 days, for treatment outside the scope of bilateral agreements |
2-bed room, max. 180 days, for treatment outside the scope of bilateral agreements |
| Other countries (in emergencies) | Max. 90% the costs paid under the tariff for the canton of residence |
100%, unlimited |
100%, max. 180 days |
100%, max. 180 days |
| Abroad (elective treatment) | – |
Single room, max. CHF 250,000 per hospital stay |
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2-bed room, CHF 1,000 per day max. 180 days within a period of 360 days |
| Option of choosing category of ward | – |
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Semiprivate: 75%, copayment max. CHF 10,000 |
Private: 75% of accommodation, nursing care and treatment costs |
| Home nursing | Examinations, treatment and nursing care administered by accredited nursing professionals or organisations |
100%, max. 90 days (in the event of maternity, max. 14 days within one month after the birth), towards nursing care provided by accredited nursing professionals |
CHF 20 per day, max. 90 days (in the event of maternity, max. 14 days within one month after the birth), towards nursing care provided by accredited nursing professionals |
CHF 50 per day, max. 90 days (In the event of maternity, max. 14 days within one month after the birth) and max. CHF 5,000, towards nursing care provided by accredited nursing professionals |
| Domestic help | – |
CHF 25 per hour, max. CHF 1,500, for the person who runs the household:
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CHF 10 per day, max. 90 days (in the event of maternity, max. 14 days within one month after the birth), for the person who runs the household |
CHF 25 per hour, max. CHF 750, for the person who runs the household:
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Max. 1 spa therapy |
Max. 1 spa therapy |
Max. 1 spa therapy |
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| Spa therapy in Switzerland and Abano / Montegrotto | CHF 10 per day, max. 21 days, at accredited spas in Switzerland |
CHF 300 per day, max. 21 days |
CHF 10 per day, max. 21 days |
CHF 90 per day, max. 21 days |
| Convalescent therapy in Switzerland | – |
CHF 300 per day, max. 21 days |
CHF 10 per day, max. 21 days |
CHF 90 per day, max. 21 days |
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Max. CHF 500 per hospital stay |
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Max. CHF 100 per hospital stay | |
| Transport / rescue, and costs of travel during radiotherapy, chemotherapy or haemo-dialysis | 50%, max. CHF 500, for transport; 50%, max. CHF 5,000, for rescue |
100%, unlimited; search costs max. CHF 20,000 per claim |
100%, max. CHF 20,000 |
100%, max. CHF 30'000.– |
| Transport abroad and repatriation | Up to a maximum of double the benefit paid in Switzerland for transport |
100%, provided it is organised by Sanitas Assistance |
100%, provided it is organised by Sanitas Assistance |
100%, provided it is organised by Sanitas Assistance |
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Yes |
Yes |
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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 KVG/HIA, the corresponding ordinances, and the general terms of insurance, the applicable supplementary terms and the current version of the Sanitas lists specified in the supplementary terms.
Downloads
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General hospital insurance: Standard Liberty
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Semiprivate hospital insurance: Extra Liberty
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Private hospital insurance: Top Liberty
Frequently asked questions
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What’s the difference between supplementary outpatient and inpatient hospital insurance?
In the case of inpatient treatment, the patient stays overnight in hospital. With outpatient treatment, the patient leaves the practice or hospital on the same day.
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What do the Sanitas Preference services include?
We provide expert personal support to insured persons with private or semiprivate hospital insurance. Within a few days, your contact will arrange appointments with specialist doctors who are often fully booked for months in advance.
Are you looking for a doctor to provide a second opinion on a critical procedure? We take care of this for you, too. Would you like to recover in a family room after birth? Wherever possible, we’ll help organise a family room for you and cover the costs of overnight accommodation for an accompanying person.
And if you have any questions about medical care, our health advisors are there for you.
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Will I receive support with everyday life after hospitalisation?
If you’re overwhelmed by everyday life after hospitalisation, we’ll cover part of the costs for care at home and household help. Here too, you need to take out semiprivate or private supplementary hospital insurance to secure these additional benefits.
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