Hospitalization Coverage

Good health is priceless. But illness or injury often comes with significant costs, and social security or mutuality reimbursements only go so far. A hospital stay can quickly lead to high bills — especially in a single room, where only about 20% of costs are covered by standard health contributions.

With hospitalization insurance, you and your family are protected against the financial consequences of a hospital stay, medical treatments, and follow-up care. That way, you can focus entirely on what matters most: your recovery.

Why Hospitalization Insurance is Essential

• Medical costs keep rising – due to longer life expectancy and advanced (often expensive) treatments.
• Social security doesn’t cover everything – more and more costs are shifted to the patient.
• Peace of mind – no financial stress when you or your family face a serious illness or unexpected hospitalization.
• Future-proofing – even if you currently have coverage through your employer, what happens at retirement, job change, or bankruptcy?

Types of Coverage

1. Comprehensive Medical Plans
   • Cover hospital stays, pre- and post-hospitalization care, medication, therapies, and even expensive treatments for serious illnesses (e.g. chemotherapy).
   • Options for dental care, prostheses, and preventive treatments.
   • Worldwide coverage with assistance abroad.
2. Ambulatory and Dental Add-ons
   • Coverage for outpatient medical expenses like consultations, glasses, physiotherapy, and preventive care.
   • Dental care and orthodontics, with partial or full reimbursement of treatments and prosthetics.
3. Supplementary Plans with Locked Premiums
   • Some insurers (e.g. “Vision” or “Care” plans) allow you to fix your premium at today’s age. This prevents steep increases later in life and ensures continuous coverage after retirement.
   • They also complement your professional or group policy by filling in any gaps.

Key Benefits Across Most Policies

• Full or partial coverage of hospital bills (room, doctor fees, treatments, medication).
• Protection for serious illnesses with no financial ceiling.
• Coverage for family members, including newborns.
• Easy claims handling via medical cards or apps – with direct payment to hospitals and electronic processing at pharmacies.
• No medical formalities in many cases, especially when switching from a group plan.