Negotiating fair prices

If a hospital has not signed a contract with us, no costs will be covered for an in-patient stay in a private or semi-private ward under supplementary hospital insurance. In order to ensure that no uncovered costs arise, we will be happy to advise you and point out the possibility of being treated at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurance, please check the list below:

List of hospitals and attending physicians without cost coverage (PDF)

If a hospital has not signed a contract with us, no costs will be covered for an in-patient stay in a private or semi-private ward under supplementary hospital insurance. In order to ensure that no uncovered costs arise, we will be happy to advise you and point out the possibility of being treated at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurance, please check the list below:

List of hospitals and attending physicians without cost coverage (PDF)

If a hospital has not signed a contract with us, no costs will be covered for an in-patient stay in a private or semi-private ward under supplementary hospital insurance. In order to ensure that no uncovered costs arise, we will be happy to advise you and point out the possibility of being treated at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurance, please check the list below:

List of hospitals and attending physicians without cost coverage (PDF)

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

Applies from 1. January 2025

If a hospital has not signed a contract with us, we will not assume the full costs for an inpatient stay in a private or semi-private ward under supplementary hospital insurance. With the 30% excess, some of the costs for the additional benefits are to be covered by the insured person.

We would be happy to advise you to ensure that no uncovered costs are incurred. You always have the possibility to receive treatment at other hospitals nearby. To make sure that the full costs for your in-patient hospital stay will be covered by your insurer, please refer to the list below:

List of hospitals with an excess (PDF)

Applies until the end of 2024

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

If a hospital has not signed a contract with us, we will assume the economically reasonable costs of additional benefits provided for treatments within the scope of the cantonal service mandate. Should you have any questions with regard to the above, please contact your Customer Advisor.

If the additional benefits are provided as part of the treatments outside the cantonal service mandate, we will not cover the costs under either our basic insurance or our supplementary hospital insurance. These will therefore be borne by the insured person. We reserve the right to examine in detail the invoiced benefits and prices. Please refer to the following list:

List of hospitals without additional benefits governed by a contract (PDF)

It is important to us to stabilise benefit costs and, as such, keep premiums constant. In order to ensure that this is the case, we consistently negotiate with hospitals. That is why we decided to only conclude contracts with hospitals that do not charge KLuG patients with unusually high costs.

We strive to conclude contracts for semi-private and private wards with all hospitals that work well and efficiently. An unregulated situation only arises in exceptional cases, namely, when multi-stage negotiations fail.

It varies. An unregulated situation is undesirable for both the insurance company and the hospital: the insurance company annoys those customers that are affected and the hospital loses important income. Therefore, both sides try to find a solution as quickly as possible. However, as the positions of the opposing parties can often be far apart in such cases, experience has shown that this kind of situation can persist for between two and six months, and, in rare instances, even longer.

If you have already received a cost approval for your medical procedure, you are not affected. If you are uncertain or no such approval has been given, it is of particular importance that you contact us. We will gladly advise you at any time and do everything in our power to ensure that we can offer you first-class service. Together, we will find an equivalent hospital in your nearabouts in which the costs are covered according to your supplementary hospital insurance.

Depending on a hospital’s size and importance, we proactively inform the people insured with us of any unregulated situation and when it comes to an end.

In evident emergency cases, every hospital is obliged to provide the necessary medical services. The costs of a stay in the emrengency- or the general ward are borne by compulsory health insurance, and are covered as a matter of principle.

If a contract has not been concluded with that hospital, you will have to bear some or all of the costs for your stay in a private or semi-private ward.

Please beware that the hospitals in question are obliged to inform patients about their unregulated status with respect to KLuG.

No, it doesn't. The same terms apply to both illnesses and accidents.

Please beware that the hospitals in question are obliged to inform patients about their unregulated status with respect to KLuG.