Frau relaxt auf ihrem Balkon

International insurance cover (IHP)

Are you planning to move abroad, either for a short time or permanently? Depending on which country you’re moving to, your mandatory insurance cover will lapse. We have a solution for you: the International Health Plan. It gives you worldwide protection.

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The advantages for you

  • Worldwide illness and accident cover.
  • Supplementary insurance guarantee on returning to Switzerland.
  • Cover for transport, rescue and recovery costs.
  • Free choice of doctor and hospital.
  • Emergency medical advice by phone 24/7.

Good to know

For all your needs
International insurance cover is suitable for stays abroad – whether temporary or indefinite.
Anywhere in the world
Whether in the country where you live, while temporarily visiting Switzerland or on holiday, we’ve got you covered.
When you return to Switzerland, we guarantee you’ll get insurance cover without having to undergo a medical examination.

Benefits at a glance

  • The insurance (International Health Plan) provides comprehensive insurance cover worldwide in the event of illness, accident and maternity for individuals who permanently reside outside Switzerland.
  • Up to CHF 100,000 per insured person and calendar year for outpatient treatment from officially recognised general practitioners, specialists, chiropractors and osteopaths.
  • Up to CHF 1,000,000 per insured person and calendar year for hospitalisation in officially regulated and state-recognised hospitals.
  • When you return to Switzerland, we guarantee you’ll get insurance cover, regardless of your state of health. This includes mandatory basic insurance and, on request, the supplementary insurance products myFlex Balance Outpatient Insurance and myFlex Balance Hospitalisation Insurance (or equivalent successor products).
  • You get access to our myCSS customer portal and to the myCSS app.
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Personal advice

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