Who can take out daily hospital benefit insurance?
In addition to supplementary hospital insurance, many large health insurance companies in Switzerland also offer daily hospital benefit insurance in their range. The Insurance Contract Act (VVH) determines the cover, as well as the general contract terms and additional conditions. The benefits apply worldwide, even for stays in hospital abroad that do not last longer than twelve months.
Anyone who has taken out daily hospital benefit insurance will receive the insured daily allowance for every day in the hospital, in the case of illness from the third day and in the event of an accident even on the first day, and thus represents a major financial relief for many.
If you look closely, you will be rewarded
For many insured persons, this may sound like a dream at first, but a closer look is also advisable with this supplementary insurance. Because although it is alleged that the insurer would finance a stay in a private clinic by handing out a daily allowance, someone with compulsory basic insurance cannot pay for a private clinic even with the daily allowance. Caution: If you trust your insurer blindly, you may end up paying more.
With a daily hospital allowance insurance, you should also not rely on compensating your loss of wages, because even if you are sick, you do not always have to go to the hospital and in this case the insurance does not apply. It is better to resort to a standardized daily allowance insurance.
The amount of the premium depends on the entry age and the variant. Many insurance companies offer a discount, with the help of which the daily hospital allowance insurance can be combined with other insurances and thus a discount of up to 25% is possible. On It pays to compare health insurance companies here in any case.
What benefits are insured?
Many insurers also have a waiting period of up to two years, during which they do not have to pay daily hospital benefits if they are admitted.
The insured should be able to use the daily allowance to pay for additional private services in the hospital, such as a single room or household help. A lump sum is paid for births, regardless of the length of stay.
Some stays are excluded from cover, including:
- caused by drugs and addictive substances
- cosmetic operations
- Stay after committing a crime
- Treatments that are at an unnecessary risk
What can the money be used for?
The money is often paid in cash on hand and can be used as you wish. Many patients use the money to upgrade to semi-private or private. Everyone has to decide for themselves whether this makes sense from a financial perspective.
benefits | disadvantage |
- Money can be used for everything - Upgrades are possible - May be cheaper than supplementary hospital insurance | - not every stay is paid for - waiting period - Patients may pay on it |
Experience has shown that it is not really worthwhile to insure coffee, telephone charges or travel expenses for relatives, since these expenses do not represent a significant financial burden. If you want to secure the possibility of a twin or single room, you should also opt for additional hospital insurance.
Conclusion
Please look for every detail when looking for a suitable provider of hospital daily allowance insurance. The insurance companies offer the policies with large premium differences. It is therefore important that you choose the insurance company of your choice carefully.
In contrast to basic insurance, the health insurance company is not forced to accept potential prospective customers or to insure them. For this reason, you may have to be patient until you find a suitable provider.
The so-called supplementary hospital insurance is also a useful addition to the daily hospital benefits insurance. This policy gives policyholders greater convenience and flexibility when choosing a suitable hospital and when treating them.
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