The compulsory health insurance plan does not refund some costs resulting from a hospital stay. H-Capital insurance enables a lump-sum to be paid to offset these extra costs.

Over and above treatment expenses, a stay in hospital generates certain indirect costs for the patient such as:

• the need to employ a child carer or home help;
• loss of additional income which a long hospital stay generates, e.g. for a chief executive;
• travel costs for family members to visit the person in hospital.

In addition, the contribution paid by the compulsory health insurance plan towards the costs of thermal cures is limited.

H-Capital insurance gives you the possibility of securing the guaranteed payment of a lump-sum to compensate all or part of the costs linked to your hospital stay or thermal cure.

Depending on your needs you may opt for one of the nine following capital sums:

• CHF    300
• CHF    500
• CHF    600
• CHF    900
• CHF 1,000
• CHF 1,200
• CHF 1,500
• CHF 2,000
• CHF 2,500.

Whatever your choice you make, you are free to decide how to use the capital sum paid out to you.

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If you would like further information about this product or receive an offer, please contact us on 0800 808 800 or by e-mail