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Moving abroad

For some, emigrating is a long-held dream, but it involves a lot of organisation. There are a few things you need to take into account with regard to your health insurance. Make sure to take action early so all your options are still open. We’re happy to help.

What happens with my basic insurance?

You can’t hold Swiss basic insurance when you move abroad. You have to live in Switzerland to be eligible for Swiss basic insurance. So, if you plan on moving abroad, you have to think about what to do regarding your health insurance.

Finding the right solution

Which solution is best for you depends on which country you’re moving to. Local insurance may offer the best solution. In some cases an international health insurance plan is best. And some countries require mandatory health insurance.

Important: make enquires before terminating your health insurance

To be able to take out international health insurance with a Swiss health insurer, you need to have a place of residence in Switzerland. So, make sure you find out which solution is best for you before terminating your health insurance in Switzerland. If you decide that an international health insurance plan is the best option, make sure you take it out before deregistering your place of residence in Switzerland.

International health insurance

To be able to offer you a comprehensive insurance solution when you live abroad, we’ve entered into a partnership with Advisory Services Network AG (ASN), a provider specialising in international insurance solutions.

ASN has many years of experience in dealing with the best hospitals and doctors around the world and offers you many other benefits:

  • Admission without a risk assessment if you already hold supplementary outpatient or inpatient insurance with Sanitas (restrictions will be carried over)
  • Free choice of doctors and hospitals
  • Hospitalisation worldwide in the private ward
  • Lifelong insurance cover
  • Free medical advice on the phone, second medical opinions and worldwide concierge service
  • Additional options such as dental treatment and eye care, medical evacuation and repatriation

Please contact ASN directly if you wish to benefit from this option to transfer. Don’t forget to mention that you were insured with Sanitas.

Advisory Services Network AG

Bederstrasse 51

Postfach 1585

8027 Zürich


043 399 89 89

Suspending health insurance

If you plan on returning to Switzerland at some point, you can apply to suspend your health insurance. If you suspend your health insurance, you will pay a suspension premium while you are abroad.  You can reactivate your insurance at a later date when you return to Switzerland without undergoing another medical exam.


  • Minimum suspension period: 3 months
  • Maximum suspension period: 6 years
  • No on-going claims

Different conditions apply for suspending basic and supplementary insurance plans. If you’d like to suspend your health insurance, please get in touch.

We’ll be glad to advise you

Our customer advisors are familiar with the requirements of people planning on moving abroad. We’ll help you find the best solution. Give us a call to arrange a non-binding consultation:

Freephone number
0800 22 88 44

Monday to Friday
8 am to 6 pm

Outside Switzerland and the Principality of Liechtenstein:

+41 44 298 64 90

Sanitas magazine: Spotlight on health-related issues