EGK EGK-SUN EGK-SUN-Flex vs. SWICA Hospita Hospita Halbprivat: benefits compared

Direct comparison of EGK EGK-SUN EGK-SUN-Flex and SWICA Hospita Hospita Halbprivat in 6 categories. All values come from the policy terms and are backed by their source.

EGK EGK-SUN EGK-SUN-Flex is better on 0 features, SWICA Hospita Hospita Halbprivat on 3; both are equal on 4.

Hospital

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Free hospital choice across Switzerland	YesSource: Leistungsübersicht EGK-SUN, edition 2027, p. 2	YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	equal
Ward choice at admission	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	No verified information	not comparable
Cost share semi-private (percent)	15%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2	No verified information	not comparable
Cost share private (percent)	25%Source: Leistungsübersicht EGK-SUN, edition 2027, p. 2	No verified information	not comparable
Psychiatric clinic: maximum days	90Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	SWICA Hospita Hospita Halbprivat better
Ward	Ward class chosen by the insured before the stay (general, semi-private or private)Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	Semi-private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3	not comparable
Acute hospital: maximum days	No verified information	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable
Rooming-in (per day)	No verified information	CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Hospital” compared

Maternity

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Birth centre	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Waiting period in months	No verified information	12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Maternity” compared

Rescue and transport

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Transport cost cap	CHF 100’000Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	SWICA Hospita Hospita Halbprivat better
Rescue cost cap	No verified information	CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	not comparable

All products in “Rescue and transport” compared

Cures and recovery

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Spa cure (per day)	CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Recovery stay (per day)	CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	No verified information	not comparable
Maximum cure days per year	21Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 5	30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	SWICA Hospita Hospita Halbprivat better

All products in “Cures and recovery” compared

Home help

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Home nursing (per day)	CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	No verified information	not comparable
Childcare during illness (per day)	CHF 50Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 6	No verified information	not comparable
Maximum number of days	No verified information	60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7	not comparable

All products in “Home help” compared

Contract terms

Feature	EGK EGK-SUN EGK-SUN-Flex	SWICA Hospita Hospita Halbprivat	Result
Minimum contract duration in years	1Source: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Cancellation notice in months	3 monthsSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Maximum entry age	60Source: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 4	YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6	equal
Family discount	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 9	No verified information	not comparable
Upgrade without a health check	Not coveredSource: AVB/VVG Zusatzversicherungen, Ausgabe 1.1.2024, edition 2027, p. 5	No verified information	not comparable
Suspension possible	YesSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 10	No verified information	not comparable
Accident cover included	Not coveredSource: EVB/VVG EGK-SUN, Ausgabe 2024, edition 2027, p. 3	No verified information	not comparable
Premium and age	No verified information	Entry-age tariff or life-age tariff; life-age groups 26–30 then five-year steps to 71+; automatic switch to entry-age tariff at age 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8	not comparable
Notable exclusions	No verified information	Extra costs of medically necessary out-of-canton treatment not covered; without tariff contract only maximum tariff is paid, patient bears the differenceSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5	not comparable
Other notable benefits	No verified information	Sterilisation at birth (90%, max CHF 500), midwife standby fees up to CHF 700 per birth, jaw surgery up to CHF 10,000 per year, second medical opinion in Stufe 3Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.