Your basic insurance covers emergency treatment abroad. In some countries medical treatment is very expensive. If you’re outside Europe, you may be left with a costly bill.
Imagine you are abroad and have an accident or fall ill. You have to go to a doctor. But what are the financial consequences? In countries such as the USA or Japan medical treatment is much more expensive than in Switzerland. And in many cases, patients have to pay costs in advance.
With the right supplementary insurance, you don’t have to worry about the money. We cover a large part of the costs. And we help coordinate your treatment. For example, we cover any upfront costs.
Basic insurance covers the costs in accordance with the social security tariff of the country in question. This applies to all countries within the European Union (
Basic insurance covers up to twice the amount that the treatment costs in your canton of residence. You have to cover any additional costs.
Transport and rescue
In addition to the treatment costs, basic insurance covers 50%, up to CHF 500, for transport and 50%, up to CHF 5,000, for search and rescue operations.
When is an emergency an emergency?
Emergency conjures up images of accidents and A&E. However, an emergency situation can also occur if you fall ill while you’re travelling abroad. Theoretically, you would have to be treated in Switzerland for basic insurance to cover the costs. However, a return trip to Switzerland just to go to the doctor would be excessive. So you go to a doctor near you. This is also classified as emergency treatment.
The following supplementary insurance plans cover higher costs and offer additional benefits for
Hospital Standard Liberty
Hospital Extra Liberty
Hospital Top Liberty
Tip: take your insurance card on holiday with you
Take your insurance card with you when you go abroad. Emergency phone numbers are listed on the card. Your European health insurance card is on the back of the card. Within the