I would like to take this idea by you.
I am planning to start this complementary from Assura : https://fr.assura.ch/assurance-maladie/assurance-complementaire-de-capital-hospitalisation
This are the conditions : https://fr.assura.ch/assurance/products/csc_assura_hospita_2015.07_f.pdf
Basically, you receive the capital of your choice if you stay for at least 24 hours in the hospital (some exclusions apply : pregnancy, plastic surgery, accidents). So you can receive up to 3000 Francs if you get into hospital, for any problem, and stay overnight.
Costs, for a capital of 2500 (equal to my francise) are 20 for wife, 16 for me. That is 432 per year.
This means that if either one of us stays in hospital one night, in the next aprox 5.8 years, costs/gains are zero. So basically, i am assured against a big hit to my pocket (I presume hospitalization will cost a lot, due to the possible expensive tests they can do).
What do you think about it ?
Also, using my poor french and reading the conditions above, seems to be legit, but I could use a second eye on it as well…