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Old 23.06.2015, 13:45
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Supplementary Insurance for Trip to USA

Question:
We are going to the USA for an extended trip of 4-6 months. We intend to give up our rented residence in CH and to deregister for this period. Is it possible our maintain our compulsory health insurance and buy an additional supplementary policy in our case?

Any advice is appreciated.

Thanks,
Nadia
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Old 24.06.2015, 16:39
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Re: Supplementary Insurance for Trip to USA

As you've given up your residence and you are deregistered, you won't be able to stay in the mandatory health insurance. As good as every larger health insurer offers a global cover, which is similair as the additional covers. Depending on the height of the insured sum you can have your premium. Most insurance companies will advise you to go for the CHF 1'000'000 sum, due that healthcare in the US can be very expensive. Do note that you will need to have a Swiss post address and Swiss bank account for direct debit of the premium. A medical questionaire will be part of the application process. Good luck!
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Old 24.06.2015, 16:51
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Re: Supplementary Insurance for Trip to USA

Just an FYI:

With many travel insurance policies you will need to pay upfront and then claim reimbursement. Even with plans that allow direct billing, because a traveler is a higher risk of defaulting on payment, many US hospitals will require non-residents to put a deposit payment down should you need treatment. So be prepared, possibly to the tune of five-figures.

This is not unique to US healthcare - I've had to put down large deposits for relatives needing emergency treatment during a visit to Switzerland - but the cost of US health care is an order of magnitude more expensive.
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