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Hospital Top Liberty – free choice of doctors and hospitals in the private ward

Hospital private

Hospital Top Liberty is the private supplementary hospital insurance plan with the widest choice, highest level of comfort and the best service. You benefit from a free choice of doctors and hospitals worldwide, experienced doctors, innovative treatments and a personal Sanitas advisor.

Key benefits compared to basic insurance

Supplementary hospital insurance expands and supplements the benefits of basic insurance:

  • Free choice of doctors and hospitals worldwide
  • Hospitalisation in the private ward in a single room
  • Treatment by chief or senior consultant
  • Appointment with specialist within three days
  • Organisation of an independent second medical opinion
  • Full cost coverage for planned treatments and emergencies abroad

Overview of benefits

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 (HIA) and the corresponding ordinances, and the general terms of insurance and applicable supplementary terms issued by Sanitas.

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Personal advice

If you have private insurance, your personal customer advisor is your first point of contact at Sanitas. They will answer any questions you may have or will refer you on when necessary. On request, they can also help you organise a hospital stay, make an appointment for you or recommend a suitable hospital or spa treatment centre.

Priority Access: Quicker access to a specialist

Specialists are often booked out for months. Waiting can be stressful, but if you have private hospital insurance you don’t have to wait long. Your Sanitas advisor will help you organise an appointment within just three days.

If you’ve opted for a family doctor model for your basic insurance, then please always consult your family doctor first.

Second medical opinion: Independent second opinion

Would you like to have a diagnosis or treatment plan reviewed? It can be a good idea to get a second medical opinion when you’re faced with the prospect of a complicated medical procedure. Use this service to find the best solution for you.

Liberty option: Choose the ward before admission to hospital

If you have to go to hospital, with private supplementary insurance you can be sure of a comfortable stay. However, during a very short stay or if you’re due to undergo a simple procedure, you may feel comfortable with fewer amenities. In this case, before admission to hospital you have the choice of switching to the general or semiprivate ward. You will be reimbursed up to the value of CHF 2,500.

SRC living will: free consultation and filing

A living will allows you to state your personal preferences if there comes a time when you’re no longer able to communicate them. A consultation helps you make the right decisions and express your personal choices. For Preference customers with semiprivate or private hospital insurance, Sanitas covers the cost of consultation and filing a living will with the Swiss Red Cross (SRC).

Sanitas Assistance: Rapid help in the event of emergencies abroad

With Hospital Top Liberty, you can also rely on fast and straightforward assistance abroad. In case of a medical emergency, Sanitas Assistance is your first point of contact.


For example, Sanitas Assistance will organise

  • Medical support on the spot
  • Purchase of medicines
  • Commitment to cover costs and advances
  • Medically necessary transportation, including safe transport back to Switzerland


Important: For Sanitas to be able to cover the costs of treatment abroad, you must always contact Sanitas Assistance in an emergency.


Sanitas Assistance

+41 844 124 365