What LAMal already covers
Basic LAMal covers hospitalization in the common ward, in a hospital of your canton of residence on the official list. You choose neither your room nor your doctor. For more comfort and freedom, you need a supplementary hospital plan (LCA).
Semi-private or private
Semi-private generally grants a two-bed room and free choice of doctor, often Switzerland-wide. Private offers a single room and free choice of the head physician. Both bring more comfort and flexibility — the right level depends on your priorities and budget.
What drives the price
The premium depends on your age at subscription, the level (semi-private or private), the geographic scope (cantonal or national) and your health (questionnaire, possible exclusions). Best subscribed young: later the premium climbs and the insurer can refuse. Compare levels and cover before signing.