Tradiconsult not only covers students but any foreigner who is getting training in Switzerland. I'd ask the company specifically if your situation applies. I am a post-doc, so not a student, and they covered me.

I have not had a single problem with tradiconsult. I had an accident in the lab about two weeks after I signed up with them (I hadn't even paid the bill yet) and they completely covered everything which included 2 surgeries and a 15 day hospital stay (CHF 50,000). The only bill I was responsible for was the phone calls I placed while in the hospital.

For CHF 960/year I would highly highly recommend them.