SWICA Hospita Hospita Allgemein vs. SWICA Hospita Hospita Privat: benefits compared
Direct comparison of SWICA Hospita Hospita Allgemein and SWICA Hospita Hospita Privat in 6 categories. All values come from the policy terms and are backed by their source.
SWICA Hospita Hospita Allgemein is better on 0 features, SWICA Hospita Hospita Privat on 2; both are equal on 8.
- SWICA Hospita Hospita Allgemein
- SWICA Hospita Hospita Privat
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Hospital
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Free hospital choice across Switzerland | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | YesSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | equal |
| Acute hospital: maximum days | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | equal |
| Ward | General ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | Private ward of SWICA-recognised hospitals in Switzerland and LiechtensteinSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 3 | not comparable |
| Psychiatric clinic: maximum days | No verified information | 720Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
| Rooming-in (per day) | No verified information | CHF 50Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Maternity
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Waiting period in months | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | 12 monthsSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | equal |
Rescue and transport
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Rescue cost cap | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | CHF 30’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 8 | SWICA Hospita Hospita Privat better |
| Transport cost cap | CHF 20’000Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | UnlimitedSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | SWICA Hospita Hospita Privat better |
Cures and recovery
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Spa cure (per day) | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | No verified information | not comparable |
| Recovery stay (per day) | CHF 15Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | No verified information | not comparable |
| Maximum cure days per year | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | equal |
Home help
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Maximum number of days | 60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | 60Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | equal |
| Home nursing (per day) | CHF 30Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 7 | No verified information | not comparable |
Contract terms
| Feature | SWICA Hospita Hospita Allgemein | SWICA Hospita Hospita Privat | Result |
|---|---|---|---|
| Minimum contract duration in years | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | 1Source: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Cancellation notice in months | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | 3 monthsSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | YesSource: AVB Zusatzversicherungen (VVG), Ausgabe 2027 (gültig ab 01.01.2027), edition 2027, p. 6 | equal |
| Upgrade without a health check | Not coveredSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 4 | No verified information | not comparable |
| Premium and age | 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 | 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 | Extra costs of medically necessary out-of-canton treatment not covered; cover limited to the difference above the reference tariff for non-covered out-of-canton careSource: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 5 | 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 | Sterilisation at birth (90%, max CHF 500) and jaw surgery (up to CHF 10,000 per year)Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | 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 5Source: ZB Hospita (VVG), Ausgabe 2027, edition 2027, p. 6 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.