Here are three medical insurance companies that provide international medical and dental insurance for expats. Check these health insurance quotes in Switzerland to select the best plan for you.

Cigna Global provides premium international health insurance for discerning expatriates and globally mobile individuals. With three coverage levels, modular plans and an array of deductible and cost-share options, expats can find a plan which meets both exacting cover requirements and budget.

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Aetna International is one of the industry’s largest and most prominent international health benefits providers. By delivering comprehensive health benefits and population health management solutions worldwide, Aetna International is committed to creating a stronger, healthier global community.

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Allianz Care offers health insurance plans that include cover for day-to-day medical expenses such as visits to the family doctor, as well as planned surgery, emergency treatment, maternity cover, outpatient care and dental plans, depending on the level of medical coverage expats choose.

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Healthcare in Switzerland

What do I need to receive healthcare in Switzerland?

Switzerland has a first-class healthcare system that’s considered among the best in the world, however it is also costly. It is an insurance-based system but, unlike many other European countries, it’s not funded through tax or social security contributions but by individual health insurance premiums. Everyone living in Switzerland including expats needs to have at least basic health insurance which covers the majority of general medical treatment costs. Residents can then choose to supplement this with additional private coverage to give them access to a wider range of treatments.

Do I need private health insurance in Switzerland?

Although standard Swiss health insurance is good, it doesn’t cover all treatment and can only be used for state healthcare services. Basic insurance covers between 80-90% of medical costs (excluding the first CHF 300 of treatment costs each year and a daily fee for hospital stays) but doesn’t include dental care, private healthcare provision or some out-patient medical services.  Private coverage also entitles you to free choice of doctor and extra comforts (e.g. private room) on hospital stays.

FAQ: Health insurance in Switzerland

When choosing your health insurance package in Switzerland, be sure to shop around and look for the best deal that is suited to your particular needs. Costs vary between different company packages and premiums vary between the cantons, with the most expensive more than 60% higher than the lowest. Besides comparing prices, questions you might want to ask include:

1. Does the package cover family members?

Swiss insurance schemes cover individuals rather than families, so you will need to purchase insurance for each family member. Children do not need to be with the same company as parents so you’ll need to shop around for additional policies if you have kids.

2. Are there any restrictions, limitations or exclusions on the policy, e.g. relating to age or pre-existing conditions?

Some insurers may increase premiums for what they perceive to be high-risk cases, e.g. sufferers of chronic or life-limiting conditions. Make sure you check about these before signing up.

3. What’s the process for making a claim?

Most companies require you to pay medical fees upfront and then claim reimbursements from them, although some may have arrangements with healthcare providers to pay fees directly.

4. Am I covered while I travel?

Basic Swiss health insurance only covers medical treatment on short trips abroad, so you will need to purchase additional coverage if you travel outside Switzerland regularly.

5. What treatment costs are covered?

Basic health insurance doesn’t include coverage for dental treatment, some eye care or complementary medical treatment such as osteopathy, so you’ll need to look at private coverage if you need these.

6. What discounts are on offer?

Most Swiss insurers offer deals to reduce monthly payments. These can include discounts for paying in advance or lower premiums if you increase your excess. Low earners can also be eligible for reduced fees.

 

Read more in our Guide to Health Insurance in Switzerland