Discounted hospitalisation insurance with SWICA health insurance

Generous discounts and top hospital insurance benefits

Reduce your premium by increasing your co-payment, or enjoy additional discounts by opting for a HOSPITA-FLEX or HOSPITA hospital list model.

Compare and optimise premiums

Optimization of hospital insurance


The higher your voluntary excess, the greater your discount. You can reduce your premium by as much as 50% by increasing your excess.

Excess in CHF Premium discount in %
1,000.– 15
2,000.– 25
5,000.– 50
Depending on your choice of HOSPITA insurance model you can receive premium discounts of up to 68%.

HOSPITA insurance models Premium discount in %
HOSPITA SEMI-PRIVATE / PRIVATE list 15
HOSPITA FLEX SEMI-PRIVATE 62
HOSPITA FLEX PRIVATE 68


HOSPITA SEMI-PRIVATE (list) / PRIVATE list
With the HOSPITA SEMI-PRIVATE (list) / PRIVATE (list) insurance model, you select a hospital from the directory of hospitals for your HOSPITA variant for your hospital stay.

Find out more


HOSPITA FLEX
A HOSPITA FLEX SEMI-PRIVATE or a HOSPITA FLEX PRIVATE plan gives you access to all public and private hospitals in Switzerland. You decide before each hospital stay whether you want the general, semi-private or private ward. No co-payments apply when you choose the general ward. If you prefer to get treatment in a semi-private or a private ward, a co-payment plan that was agreed in advance comes into effect.

Go to the HOSPITA insurance plans
Thanks to the active use of the BENEVITA health coach app, you can benefit from up to 15% premium discount* on all semi-private and private hospital insurance models.

*Find out more
Insured persons who opt for the alternative FAVORIT SANTE basic insurance model save 15% on hospitalisation insurance premiums (based on the individual insurance premium). With FAVORIT SANTE, the Medbase Medical Center or SWICA partner practices are your first point of contact for all questions relating to your health.

Find out more about alternative basic insurance models
SWICA offers a 0.5 percent discount if you pay your premiums annually. This discount applies to any basic or supplementary insurance plans that you have taken out with SWICA. You can adjust the frequency of your payments in the mySWICA customer portal, or call us on +41 58 800 99 33.

Transparent and favourable co-payments

SWICA is the only health insurer that applies co-payments from basic insurance to those of its supplementary insurance, which means the annual co-payments will be much lower when compared to other health insurers.

Example of rate increases for hospita­lisation insurance

The premiums that most health insurers charge for supplementary insurance increase noticeably every five years. This often results in a heavy financial burden in old age. By basing its rates on your age when you buy the supplementary insurance, SWICA factors the time you have been insured into the premium calculation, rewarding you for your loyalty.

Personal consultation

Would you like more information on SWICA or a personal consultation? Client Services would be happy to assist. Call us on +41 58 800 99 33 or send us a message using the contact form below.

Request a consultation Calculate your premium

What our customers have to say.

Urs Dübendorfer
«The whole family has been impressed with the professional and expert advice we get from SWICA. SWICA are there to advise and support us. This is a health insurer you can rely on. You can really feel that they care about the health of their customers.»
Show more
Marion Heinemann
«I’m very happy to be insured with SWICA. You only notice how good your health insurer really is when you run into a health problem. SWICA is always there for you, its advisers are very friendly, and questions about your cover are always handled quickly.
Thanks a lot for all you've done.»
Show more
Esther Tabirri
«Both my parents and I have been insured with SWICA for our entire lives. We have never had any problems or experienced any disappointments. We couldn’t be happier!»
Show more
Daniel Gfeller
«Insurance consultants have a reputation for acting in their own interest and talking their customers into buying certain products. With my SWICA advisor, however, I managed to have an open, transparent and friendly conversation that helped me feel confident – the basis for a long-term partnership.»
Show more