Private Hospitalization

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Hospitalization  in Switzerland

Being hospitalized is never welcome, and we are all afraid to experience it. However, based on the last decade figures, around 1 million people are hospitalized each year in Switzerland, of which 25% are several times. 

In order not to be caught off guard, here is everything you need to know about the way the care in hospital or clinic is taken over in the Swiss health insurance system to anticipate as well as possible.

Hospitalization in Switzerland

Being hospitalized is never welcome, and we are all afraid to experience it. However, based on the last decade figures, around 1 million people are hospitalized each year in Switzerland, of which 25% are several times. 

In order not to be caught off guard, here is everything you need to know about the operation and the care in hospital or clinic by the Swiss health insurance system in order to anticipate as well as possible.

What does LaMal cover ?

With the basic insurance, you are covered in general ward (rooms that can welcome 8 persons) at public university hospitals from your canton of residence, as well as the ones from other cantons in case of emergency or if necessary.

Out of these two cases, if you choose on your own to be hospitalized in another canton, you will be responsible for the price difference.

If an operation is necessary, the doctor available during your stay will take care of you. 

However, it will not be possible to choose the doctor who operates you, neither be sure that it is the same as the one who did it for a previous operation if you have several.

What does LaMal cover for hospitalization ?

With the basic insurance, you are covered in general ward (rooms that can welcome 8 persons) at public university hospitals from your canton of residence, as well as the ones from other cantons in case of emergency or if necessary.

Out of these two cases, if you choose on your own to be hospitalized in another canton, you will be responsible for the price difference.

If an operation is necessary, the doctor available during your stay will take care of you. 

However, it will not be possible to choose the doctor who operates you, neither be sure that it is the same as the one who did it for a previous operation if you have several.

What is my financial participation ?

Whatever it is at a public hospital or in a private clinic, your participation will depend on the deductible (from CHF 300.- to 2’500.-) you will have chosen in your LaMal. On top of it, a 10% participation will be asked on the rest, but it can not overcome 700.- per year for adults or 350.- for children. 

Indeed, the fees for a stay at the hospital can be high and it is important to be prepared for it.

In case you have a high deductible, and if it can cause you financial difficulties, certain insurances offer a capital when you are hospitalized. It would in a way reimburse the deductible.

Why private coverage ?

In both cases, it gives you access to all private clinics in Switzerland, whatever the canton and without additional cost on top of the LaMal (deductible + 10% participation). The peace of being alone in the room, as well as a comfort similar to 5 stars hotels from cares to food makes your stay more pleasant and less stressful. 

Even though this is a big advantage for wellness and comfort, this coverage has on top of that an objective medical necessity. First, it allows you to choose freely the specialist who operates you in all Switzerland. It can be vital in case you have a risky surgery or a rare pathology.

Furthermore, without questioning the quality of Swiss public hospitals that are excellent, the more open costs charged by clinics allow them to use more advanced operation techniques (even when longer) and the best medical equipment (like prostheses for example).

Stationary or ambulatory ?

Stationary : A stationary operation concerns a patient who will spend less than one night at the hospital/clinic

Ambulatory : on the other hand, in case of ambulatory operation, the patient will usually go out a few hours after the operation. 

Most hospitalization insurances give access to private institutions for stationary, but not for ambulatory. However, some companies offer specific coverage for this.