H-Capital

Insurance for a lump-sum payment in the event of hospitalisation

Childcare, housekeeping or even transport costs… A stay in hospital can be expensive.
H-Capital guarantees payment of the insured amount to offset the costs of your hospitalisation in Switzerland or abroad.
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Financial support to cover unforeseen expenses

You protect yourself against the financial consequences of hospitalisation by choosing an insured amount in line with your requirements.
You will receive a lump-sum payment if you stay in hospital for more than 24 hours. The insurance also covers shorter stays, if you occupy a bed overnight.
You don't have to account for your expenses or submit receipts. All you have to do is send us the hospital bill to receive the agreed amount.

Here’s how H-Capital works

You can apply for H-Capital insurance at any age. The insurance covers hospitalisation in Switzerland or abroad following an illness or accident that is covered by basic insurance (LAMal/KVG).
You can choose among 11 annual lump-sum amounts: CHF 300, CHF 500, CHF 600, CHF 900, CHF 1,000, CHF 1,200, CHF 1,500, CHF 2,000, CHF 2,500, CHF 3,000 or CHF 3,500.
The lump sum is paid once a year if you are hospitalised for more than 24 hours (or less than 24 hours if you occupy a bed overnight).

Request advice

Do you have any questions about H-Capital supplemental insurance?
Our insurance advisers are available to answer any questions you may have.

Useful documents

Frequently asked questions

Can I be admitted to a clinic?

If you only have basic insurance, you can be admitted to a clinic providing you stay in a general ward and that the clinic is listed by your canton of residence (Art. 41, para. 1bis LAMal/KVG).
If not, you must have supplemental insurance to cover the costs of a semi-private or private room.

What coverage does basic health insurance provide for hospitalisation in my canton?

Your basic insurance covers standard hospital care in the general ward of a hospital listed by your canton of residence (Art. 41, para. 1bis LAMal/KVG).

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