Stay in hospital – planned or emergency
A stay in hospital can raise many questions. We're here for you: in deciding about surgery, in planning your stay in hospital and on your journey back to health.
We seek lots of advice before buying a car or renovating our home. You have the opportunity to do the same before an operation. A neutral second opinion can help you make a confident decision.
Ask the doctor providing the second opinion these questions:
Would you like to make notes? Use our questionnaire.
Which specialist has experience, which hospital is ideal for this procedure? Get your doctor's opinion and ask the people around you to share their own experiences.
You generally have a free choice of hospital. Basic insurance covers the cost of hospitalisation in any hospital that features on the list for the canton in which you live. Hospitalisation insurance gives you a free choice of hospital anywhere in Switzerland.
Good to know: Check whether the chosen hospital is recognised for your preferred ward (general, semi-private, private).
Emergencies happen without warning, making immediate medical treatment unavoidable. Basic insurance covers the cost of an emergency – no matter where you happen to be and whether or not the hospital is on the list.
You have decided on a doctor and hospital. Your hospital will notify us of the planned procedure so that we can verify cost coverage.
Good to know: If you have private or semi-private cover but opt for treatment in a general ward, you'll get money back. For a stay of 3 nights, CSS Insurance refunds up to CHF 2,000 if you choose this ward.
The full costs are not always covered during a stay in hospital.
Under basic insurance
Under supplementary insurance
Not sure what we pay? Questions about your commitment to provide cover? As your partner, we're happy to help with all questions concerning your health. By the way, the myCSS client portal lets you keep track of your insurance matters and ensures your documents are always to hand.
You should be as relaxed as possible when you are admitted to hospital. We help make sure you don't forget anything.
As soon as you know your discharge date, you can plan your return home along with the next steps in your recovery. You can also submit the bills for payment. How will you get home? What sort of limitations should you expect? Do you need assistance from Spitex, a home help or other aids? Please discuss these questions with your doctor before leaving hospital.
Do you need more therapy or would a stay in a rehab clinic make sense? We’re here for you. Our Care Management experts will coordinate your personal stay at a rehab clinic or organise rehabilitation abroad at your request.
Not able to return home? Compare retirement and nursing homes in your area.
You are free to choose which home you would like to go into. Compare the various options. Get documents sent to you, ask about the home’s mission and vision, the rules for residents and the services it provides. You should also ask for a calculation of the costs. View the home and the rooms. Find out whether it’s possible to try it out for a few days or make a respite visit.
The care-related costs are paid for through health insurance, by the retirement or nursing home resident and, if necessary, by the local authorities.