Expatriate health insurance in Switzerland
Expatriate insurance policies are designed to cover financial and other losses incurred while living and working in a country other than one's own.
Insurance should be arranged prior to relocating to a new country or destination or within 3 months of your arrival in Switzerland. Policies will generally cover the duration of your stay and can be purchased on an annual basis.
The Expatriate plan can be very appropriate in Switzerland in these two situations :
1. If you are underlying an international social security system
The expatriate plan offers permanent, worldwide insurance coverage independent of nationality and residence/ country of domicile. An exceptional combination of insurance benefits and assistance (24-hour emergency assistance) with choice of doctor and hospital, also in the home country.
2. If you are underlying the Swiss social system AHV/AVS
The expatriate plan offers the best private health insurance in addition to the Swiss basic insurance (Swiss social system). Swiss state insurers often refuse to insure some persons over a certain age in an additional private insurance plan. Also the coverage provided is often limited. High level of coverage, territoriality worldwide, high quality of Service and support in several languages.
Some of the highlights :
- Choice of deductible
- No automatic upper limit based on age
- Guaranteed life-long policy extension
Three health cover levels plus ten top-up levels allow you to tailor the insurance to your individual needs and requirements.
Top-up levels of cover:
Levels of cover such as, e.g. dental treatment / dentures and personal accident insurance are only a small overview of the top-up levels of coverage offered.
Please note that the maximum age for taking out a new policy is 64 years, the minimum term for the policy is 6 months and a medical examination is necessary.
