What is the reimbursement rule for hospitalisation?

On a general ward in a public hospital, 100% of the costs will be reimbursed.

The costs of hospitalisation on a semi-private ward in an approved clinic or a public hospital will be covered in accordance with the General Rule.

In a non-approved clinic, 80% of the costs will be reimbursed, with no limit on the costs borne by the member (no FCA accumulation).

In all cases, the supplement for a private ward is borne by the member.

I have the choice between a private (single-bed) ward and a semi-private (two-bed) ward. If I choose a private ward, will the CHIS reimburse the price difference? 

The CHIS covers hospitalisation costs on a semi-private ward (room with two beds). The supplement for hospitalisation in a private ward is borne by the member.

If you choose a private ward, the hospital/clinic will be able to tell you the amount of the supplement.

What’s the difference between being hospitalised on a general ward, a semi-private ward and a private ward?

In Switzerland, the difference lies in the accommodation and the doctors who will take care of you.

On a general ward, you will stay in a room with several beds (between two and eight), depending on availability. You cannot choose your medical practitioners (surgeon, obstetrician, etc.). In the case of public hospitals, the CHIS reimburses 100% of the costs associated with a stay on a general ward.

What’s the difference between being hospitalised on a general ward, a semi-private ward and a private ward?

In Switzerland, the difference lies in the accommodation and the doctors who will take care of you.

On a general ward, you will stay in a room with several beds (between two and eight), depending on availability. You cannot choose your medical practitioners (surgeon, obstetrician, etc.). In the case of public hospitals, the CHIS reimburses 100% of the costs associated with a stay on a general ward.

Does the general rule apply to all benefits?

No. Not all benefits are reimbursed in accordance with the general rule described under the previous question. To check whether the rule applies, please consult the list of benefits that you will find on the site. There you will see that, if you opt for a private hospital that is not approved by the CHIS, your reimbursement will be limited to 80% of your expenditure and the amount at your expense will be unlimited since the general rule does not apply. You may therefore be required to pay large sums of money out of your own pocket.