MED_SEN_studenten__D3S4184.jpg

Good cover worldwide with Sanitas health insurance

Good cover worldwide with Sanitas health insurance

Holidays abroad

Good health insurance is also vital when you’re abroad. While your mandatory basic health insurance covers you for emergency treatment abroad, it only pays up to twice the amount that would be covered for the same treatment in Switzerland. Unfortunately this usually isn’t enough. You can supplement your basic Swiss cover with Travel, the holiday and travel plan from Sanitas health insurance. This also gives you comprehensive cover in the event of an emergency. And remember you can take out Travel supplementary insurance even if you don’t have your basic insurance with Sanitas.

If you have supplementary insurance for outpatient care (Classic, Jump, Family or Easy) and hospital care with Sanitas health insurance, you’re fully covered for emergency treatment abroad and won’t need to take out additional insurance. The same applies if you have Diversa Komfort supplementary insurance from the Wincare product line.


Travelling in the EU/EFTA

The European Health Insurance Card (on the reverse of your Sanitas insurance card) serves as proof of insurance when you’re travelling in EU/EFTA countries. In the event of illness or accident you’re entitled to the same benefits and terms as a resident of the country you’re staying in. Our medical and Assistance hotline will be glad to help with medical problems of any kind. Just call +41 844 124 365.


Travelling outside the EU/EFT

Always make sure you have your Sanitas insurance card with you when you travel outside the EU/EFTA. On it you’ll find the number of our medical and Assistance hotline (+41 844 124 365) for round-the-clock access to a network of specialists in medical emergencies.


Procedure for submitting invoices

Invoices issued for treatment abroad often don’t contain enough information for us to assess your claim. This delays payment of your claim. To make sure your claim is processed as quickly and smoothly as possible, we recommend you fill in the following self-declaration form and submit it with your invoices:

Living abroad

If you’re planning to leave Switzerland it’s vital to find out about your health and accident insurance options in your new country of residence, and the conditions that apply.

Living in the EU/EFTA

Depending on their status, different health insurance rules apply to people leaving Switzerland for an EU/EFTA country:

 

Working people (employees and self-employed people)

  • Basic insurance: As a rule you must take out mandatory basic insurance in the country in which you work. Please contact your local Sanitas service centre for more information.
  • Supplementary insurance: If you’re going abroad for an extended period, we recommend switching to the International Swiss Medical (ISM) insurance solution offered by our partner International Health Insurance (IHI). A medical exam isn’t required, and you’ll be certain of getting your old insurance cover when you subsequently return to Switzerland

 

Cross-border commuters (people resident in Switzerland and working in an EU state, Iceland or Norway)

  • Basic insurance:
    As a rule you must take out mandatory basic insurance in the country in which you work. If you need more information, please call our contact centre on 0800 22 88 44 (free call), or on +41 44 298 64 90 (from outside Switzerland and the Principality of Liechtenstein). You can also visit our site for cross-border commuters.

 

People not in employment (students, pensioners and people looking for work)

  • Basic insurance: Depending on your status and country, you may have to take out mandatory basic insurance either in Switzerland or in the country you live in. Please contact your local Sanitas service centre for more information.
  • Supplementary insurance: If you’re going abroad for an extended period, we recommend switching to the International Swiss Medical (ISM) insurance solution offered by our partner International Health Insurance (IHI). A medical exam isn’t required, and you’ll be certain of getting your old insurance cover when you subsequently return to Switzerland.


Living outside the EU/EFTA

Once you leave Switzerland for a country outside the EU/EFTA, you are no longer subject to Swiss mandatory basic (KVG/LAMal) health insurance. Sanitas offers various health insurance solutions to give you full cover abroad.

  • Switching to the International Swiss Medical (ISM) insurance solution offered by our partner International Health Insurance (IHI): a medical exam isn’t required, and you’ll be certain of getting back your old insurance cover when you subsequently return to Switzerland.

Procedure for submitting invoices

Invoices issued for treatment abroad often don’t contain enough information for us to assess your claim. This delays payment of your claim. To make sure your claim is processed as quickly and smoothly as possible, we recommend you fill in the following self-declaration form and submit it with your invoices:

Legal notice Publication details