Our expertise

We collect information from official documents, terms and conditions, websites, pricing schedules, and publications issued by health insurance funds and private insurers. Our specialists carefully verify this information and map it to the benefits and criteria defined within our comparison methodology.

We focus on benefits that are either widely used or particularly relevant to consumers. Each benefit is assigned a financial value. Separate values are defined for adults and children, allowing us to compare health insurance funds based on the actual value their benefits may provide to you and your family.

We apply these valuations to your personal situation. Based on your preferences and the composition of your household (number of adults and children who may use a benefit), we calculate the total value of benefits for each health insurance fund. Our calculations also take into account limitations imposed by certain providers, such as maximum reimbursement amounts that apply across multiple benefits.

Not every benefit can be translated into a precise financial value. In some cases, the value depends on how frequently a benefit is used. When this occurs, we rely on averages, publicly available statistics, and realistic assumptions to estimate the value as accurately as possible for a typical household.

We compare hospitalisation insurance policies offered by both health insurance funds and private insurers. To help you make an informed decision, our experts have selected the most important coverage elements and policy conditions. The premiums displayed are tailored to your household situation and are calculated based on the birth dates you provide. The calculation assumes that you do not currently have hospitalisation insurance.

We assess single-room coverage using a rating system from 1 to 5 stars. This provides a clear and easy-to-understand indication of how well each insurance policy covers one of the most important aspects of hospitalisation insurance.

We manually review policy conditions, waiting periods, exclusions, and reimbursement rules. This gives you a clear understanding of what is and is not covered by each insurer.

We continuously update and review our data to ensure that our comparisons remain accurate, reliable, and up to date. Whenever insurers modify their premiums or policy conditions, we aim to reflect those changes in our database as quickly as possible.

We collect information on coverage and policy features from general terms and conditions, product information sheets, IPIDs (Insurance Product Information Documents), insurer websites, and information provided directly by the insurers themselves.