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CSS Insurance

Insurance for Swiss expatriates (IHP)

When you decide to move abroad from Switzerland temporarily or permanently, you need good insurance. Your Swiss insurance cover lapses when you move outside the country, in accordance with Switzerland’s Health Insurance Act (KVG).

Our product for you: International Health Plan (IHP)

Worldwide security against illness and accident

With the International Health Plan, you can enjoy complete peace of mind anywhere in the world, at any time: whether at home, on holiday or travelling on business, in your chosen country of residence or elsewhere.

How you are covered

  • Outpatient treatment: Up to CHF 100,000 per insured person and calendar year for outpatient treatment from officially recognised general practitioners, specialists, chiropractors and osteopaths
  • Inpatient treatment: Up to CHF 1,000,000 for hospitalisation in officially regulated and state-recognised hospitals
  • Round-the-clock medical advice and support by phone
  • Advances for lawyer's fees and bail if you are threatened with imprisonment
  • Cover for rescue and recovery costs
  • Up to CHF 300 for optical aids within a period of three calendar years

These benefits provide you with a general overview and are not exhaustive. For the full details of IHP, please refer to the product factsheet and the General Insurance Conditions (AVB).

Additional benefits provided by CSS

Insurance cover upon returning to Switzerland

When you return to Switzerland, we guarantee you insurance cover, regardless of your state of health. Upon request, this may encompass mandatory healthcare insurance in combination with the myFlex Balance Outpatient Insurance and myFlex Balance Hospitalisation Insurance supplementary insurance products (or successor products of equivalent value).

Premium calculator & application

Premiums depend on the country in which you live, your age, and what deductible you choose. The policyholder and the person(s) to be insured must have their legal place of residence in Switzerland at the time the insurance is taken out. Our advisors will be happy to take time to discuss your personal needs.

Contact details & advice

If you have any further questions or would like to amend your insurance cover, you can tell us right here, contact one of our advisors, or use the myCSS client login portal.