International insurance cover
Are you planning to move abroad? The International Health Plan provides you with comprehensive cover around the world.
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The advantages for you
- Worldwide cover for illness, accident and maternity
- On returning to Switzerland, you can take out selected supplementary insurance without having to answer questions about your health
- Cover for transport, rescue and recovery costs
- Free choice of doctor and hospital
- Emergency medical advice by phone 24/7
What to do if you need medical assistance
The International Health Plan lets you enjoy complete peace of mind when facing illness, accident or maternity, all around the world. When abroad, receiving treatment and being admitted to hospital can be complicated. The CSS emergency centre will help you deal with all the necessary formalities, promptly, 24/7: phone +41 58 277 77 77. We'll provide contact data for a suitable medical practice or hospital abroad. You can rely on our help. We'll take care of you and make sure you quickly get the medical support you need.
What does the International Health Plan cost per month?
Premiums vary depending on country of residence, chosen deductible (option 1 or 2) and age.
Benefits under the International Health Plan
Overview of benefits
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 hospitalisation
Up to CHF 1,000,000 per insured person and calendar year for stays in officially regulated and recognised hospitals.
Medication
All scientifically recognised medication prescribed by a doctor
For outpatient treatment: up to CHF 100,000 per calendar year
For inpatient treatment: up to CHF 1,000,000 per calendar year
During rehabilitation: up to CHF 800 per day for 90 days per calendar yearIn conjunction with inpatient psychiatric treatment: up to CHF 400 per day for a maximum of 180 days within a period of 900 consecutive days
Repatriation
Full cost coverage for medically supervised repatriation to a hospital providing the treatment required at the insured person's legal residence
Rescue and recovery costs
Worldwide cost coverage of up to CHF 20,000 per accident or case of illness (no deductible)
Person accompanying repatriation
Economy-class return airline ticket or 1st-class rail ticket for a companion accompanying the insured person during repatriation
Return to country of residence
Economy-class airline ticket or 1st-class rail ticket for the return of the insured person and a companion following emergency medical transport
Emergency medical transport
Full cost coverage for transfer by air or land to the nearest hospital capable of providing the required treatment
Inpatient psychiatric treatment
Up to CHF 400 per day for a maximum of 180 days within a period of 900 consecutive days
Inpatient rehabilitation
Following hospitalisation, up to CHF 800 per day for a maximum of 90 days per calendar year
Spa treatments and recuperative stays
Following hospitalisation, up to CHF 150 per day for a maximum of 30 days per accident or case of illness
Maternity
Childbirth: worldwide cost coverage for mother and baby in public and private hospitals
up to CHF 50,000 for the mother per pregnancy and birthup to CHF 5,000 per birth for the child
Antenatal classes: up to CHF 150 for antenatal classes
Pregnancy check-ups: up to CHF 10,000 for check-ups prior to the birth prescribed by a doctor
Care at home
Up to CHF 100 per day for 60 days per calendar year for each case of illness or accident
Aids
Cost of dressings and aids prescribed by a doctor
For outpatient treatment: up to CHF 100,000 per calendar year
For hospitalisation: up to CHF 1,000,000 per calendar year • In conjunction with inpatient rehabilitation, up to CHF 800 per day for a maximum of 90 days per calendar year • In conjunction with inpatient psychiatric treatment, up to CHF 400 per day for a maximum of 180 days within a period of 900 consecutive days
Optical aids
Up to CHF 300 within a period of three calendar years
Physiotherapy
Cost coverage for physiotherapy prescribed by a doctor
Repatriation of mortal remains
Full cost coverage for returning the mortal remains to the legal place of residence or original country of origin
Assistance in finding doctors and hospitals
Assistance in finding name, address and phone number of a suitable doctor or hospital abroad
Lawyers' fees and bail
Lawyers' fees: advance of up to CHF 10,000
Bail: advance of up to CHF 20,000
FAQs
You can take out IHP insurance if, at the time:
- you are still legally resident in Switzerland
- all insured persons still live in Switzerland
- you are under 70
Seconded employees working for a Swiss employer cannot take out this insurance.
The easiest way is to request an offer digitally. We'll then get in touch with you. Because a personal consultation is always worthwhile. Together, we'll find out which benefits make sense and whether the insurance is right for you.
To get doctors' or specialists' fees refunded, please send us the original bills, breakdown of costs and prescriptions. If these documents are in a language other than English or one of the Swiss national languages, then we'll need a translation. myCSS lets you take care of it all digitally.
You can change it from 1 January of the following year. Your request must reach us by 31 December at the latest. Calculate premium & customise insurance
