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Old 28.05.2011, 14:25
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Travel insurance

I have only lived in switzerland a couple of months and haven't signed up to health insurance yet. As i'm not travelling from the uk it appears i can't get travel cover under a uk insurer, despite still being down as resident there. All i've found so far is a site called World nomads which gives quotes of 10 times what i would be paying if travelling from the uk. Does anyone have any better suggestions?
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Old 28.05.2011, 22:44
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Re: Travel insurance

Hi, not sure exactly what you're looking for but would this be of interest? http://www.swisscare-intl.com/
I think the post-office also sells travel insurance. We have an annual travel insurance from the TCS (ETI).
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Old 28.05.2011, 23:11
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Re: Travel insurance

I got our travel insurance from Atupri ... http://www.atupri.ch/private/ferien-und-reisen.html

8 Tage
CHF 12.– CHF 6.– CHF 30.–

15 Tage
CHF 24.– CHF 12.– CHF 60.–

22 Tage
CHF 36.– CHF 18.– CHF 90.–

30 Tage
CHF 48.– CHF 24.– CHF 120.–

60 Tage
CHF 96.– CHF 48.– CHF 240.–

90 Tage
CHF 144.– CHF 72.– CHF 360.–

120 Tage
CHF 192.– CHF 96.– CHF 440.–

180 Tage
CHF 240.– CHF 120.– CHF 550.–

360 Tage CHF 300.– CHF 150.– CHF 630.–

We paid 24 chf each to cover our 2 week holiday and have claimed due to an accident where we had to fly home early and they seem to be really good. Seems a good price.

hope that helps, Harriet

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Old 28.05.2011, 23:34
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Re: Travel insurance

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I have only lived in switzerland a couple of months and haven't signed up to health insurance yet. As i'm not travelling from the uk it appears i can't get travel cover under a uk insurer, despite still being down as resident there. All i've found so far is a site called World nomads which gives quotes of 10 times what i would be paying if travelling from the uk. Does anyone have any better suggestions?
are you living in Switzerland, or just travelling through ?

If living here, health insurance is compulsory. Search this website for a full answer. This is standard question.
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Old 29.05.2011, 17:59
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Re: Travel insurance

I believe if you're a resident here (with B permit for example) you have to sign up to compulsory Swiss health insurance (e.g. SWICA). I moved to Basel 8 years ago and the gov't there messed up my registration and didn't inform me that I needed insurance. When I went to SWICA a year later they warned me that I may be forced to back pay. I went to Basel-Stadt and they apologised and wrote a letter confirming I wouldn't have to back pay. SWICA accepted it. Travel insurance is really for going on holiday. Once you have medical insurance plus house hold insurance, etc. you won't have to bother with a separate travel insurance policy. That's my understanding anyway. Have the authorities not informed you yet? I seem to remember it being three months. I'd contact them and ask for clarification given your residence situation.
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Old 30.05.2011, 11:09
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Re: Travel insurance

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are you living in Switzerland, or just travelling through ?

If living here, health insurance is compulsory. Search this website for a full answer. This is standard question.
I came here to live with my partner, but i've not found a job yet. We inquired about health insurance in the beginning but they said its not necessary the first 3 months. Now i've been here almost 3 months, but am unsure of what to do in the meantime when i go places to travel. I had a look on this website, but i was unable to find anything specific to my situation.
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Old 30.05.2011, 11:26
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Re: Travel insurance

you should get Swiss health insurance and accident insurance ASAP - for the travel insurance, some credit cards offer it if you pay for the booking on that card. World nomads are good, it does cost more if CH is your home, but then I can only say welcome to Switzerland, it is very expensive here
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Old 30.05.2011, 11:34
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Re: Travel insurance

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I came here to live with my partner, but i've not found a job yet. We inquired about health insurance in the beginning but they said its not necessary the first 3 months. Now i've been here almost 3 months, but am unsure of what to do in the meantime when i go places to travel. I had a look on this website, but i was unable to find anything specific to my situation.
I think you are confusing the rules. Health cover is compulsory and should be arranged within in 7 or 9 days of arrival, if you don't then after 3 months the gemiender will arrange it for you and you will have no say as to company/cost etc, and you may be liable for back payments from when you arrived in CH. The 3 months is not a free cover period, but a time allowance for you to comply with Swiss rules... had you taken Swiss cover this conversation would not be needed
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Old 30.05.2011, 11:37
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Re: Travel insurance

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I believe if you're a resident here (with B permit for example) you have to sign up to compulsory Swiss health insurance (e.g. SWICA). I moved to Basel 8 years ago and the gov't there messed up my registration and didn't inform me that I needed insurance. When I went to SWICA a year later they warned me that I may be forced to back pay. I went to Basel-Stadt and they apologised and wrote a letter confirming I wouldn't have to back pay. SWICA accepted it. Travel insurance is really for going on holiday. Once you have medical insurance plus house hold insurance, etc. you won't have to bother with a separate travel insurance policy. That's my understanding anyway. Have the authorities not informed you yet? I seem to remember it being three months. I'd contact them and ask for clarification given your residence situation.
I think you do need a separate travel insurance..... only for the days you go on holiday out of Switzerland (and perhaps awkward destinations that are hard to get home from) We had to fly home in an emergency and our health and house insurance would not have covered return flights home. Also I was told health insurance covers you abroad.... then mine said no as it was the standard policy but the accident insurance covered it. Very complicated to start with!
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Old 30.05.2011, 11:40
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Re: Travel insurance

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I think you do need a separate travel insurance..... only for the days you go on holiday out of Switzerland (and perhaps awkward destinations that are hard to get home from) We had to fly home in an emergency and our health and house insurance would not have covered return flights home. Also I was told health insurance covers you abroad.... then mine said no as it was the standard policy but the accident insurance covered it. Very complicated to start with!
It depends on company I think, we have an option for worldwide cover and repatriation within our health cover, and it worked out to be cheap as chips that way and certainly cheaper than a separate policy.

Last edited by Papa Goose; 30.05.2011 at 18:21.
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Old 30.05.2011, 11:46
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Re: Travel insurance

In my case, I'm paying around CHF350 for a basic policy ( BASIS-Grundversicherung ) with Helsana, and it covers treatment within the EU i.e. Medical Insurance ( in public hospitals but for an optional extra fee / loading, it can provide worldwide cover and repatriation ).

Helsana may not be the best for you - check out Comparis for better suited options.
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Old 30.05.2011, 14:37
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Re: Travel insurance

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I think you are confusing the rules. Health cover is compulsory and should be arranged within in 7 or 9 days of arrival, if you don't then after 3 months the gemiender will arrange it for you and you will have no say as to company/cost etc, and you may be liable for back payments from when you arrived in CH. The 3 months is not a free cover period, but a time allowance for you to comply with Swiss rules... had you taken Swiss cover this conversation would not be needed
Absolutely right!!!

You do not want the Gemiender to do this for you; they will put you on the highest and perhaps unsuitable policy that you will be legally bound to until the end of the year! (even then you actively have to cancel a month before and have a new policy in place or it will auto re-new for a year)

If you PM me your details I'd most likely be able to help you with this. We are currently in the process of starting a new business for EF users supplying specialist rates and service, this also applies to your travel insurance needs...
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Old 30.05.2011, 17:57
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Re: Travel insurance

We've used the same company for the past couple of years and found them and their policies really good value www.globelink.co.uk.

For £113 we've got cover for both us for a year worldwide (we don't have to travel together) for journeys up to 45 days long (I wish!)
Because we took the yearly cover, as oposed to just single trip insurance we've also got free winter sport insurance thrown in.

Definitely worth checking them out.
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Old 30.05.2011, 18:18
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Re: Travel insurance

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We've used the same company for the past couple of years and found them and their policies really good value www.globelink.co.uk.

For £113 we've got cover for both us for a year worldwide (we don't have to travel together) for journeys up to 45 days long (I wish!)
Because we took the yearly cover, as oposed to just single trip insurance we've also got free winter sport insurance thrown in.

Definitely worth checking them out.
Living in Switzerland you should find your zusatzversicherung covers all this anyway - almost everyone has this and there's therefore a fair chance you're simply paying twice.

In Switzerland there are of course no supplements for winter sports either.
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Old 30.05.2011, 18:20
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Re: Travel insurance

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Living in Switzerland you should find your zusatzversicherung covers all this anyway - almost everyone has this and there's therefore a fair chance you're simply paying twice.

In Switzerland there are of course no supplements for winter sports either.
Ya beat me to it baboon... a Scot paying for something twice hope oscarsmum is near a chair when she reads that
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Old 30.05.2011, 22:35
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Re: Travel insurance

Hoots mon......pass me ma smellin' salts!
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Old 05.06.2011, 19:45
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Re: Travel insurance

You get some form of travel insurance with your basic policy in Switzerland. However before going to the US I decided to take full worldwide coverage, which was about 10 francs a month extra. It is well worth it, especially if you travel to the US. You do not want to get stuck with a medical bill from there!
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Old 05.06.2011, 19:49
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Re: Travel insurance

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I came here to live with my partner, but i've not found a job yet. We inquired about health insurance in the beginning but they said its not necessary the first 3 months. Now i've been here almost 3 months, but am unsure of what to do in the meantime when i go places to travel. I had a look on this website, but i was unable to find anything specific to my situation.
The joke is that your payments will be backdated to the day to registered here anyway...
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Old 05.06.2011, 21:01
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Re: Travel insurance

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We've used the same company for the past couple of years and found them and their policies really good value www.globelink.co.uk.

For £113 we've got cover for both us for a year worldwide (we don't have to travel together) for journeys up to 45 days long (I wish!)
Because we took the yearly cover, as oposed to just single trip insurance we've also got free winter sport insurance thrown in.

Definitely worth checking them out.
Hi,

I suspect UK non residents are excluded, the reason UK travel insurance is cheap is they rarely have to pay out much medical insurance even through you may have maybe £10,000,000 of cover, they will bring you to the UK and let the NHS take over.

Edit, it will cover you for travel however "excludes medical expenses arising in your country of domicile." so it's for medical emergancies & return home
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Old 30.08.2011, 16:07
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Re: Travel insurance

If I understand right Bondalu is from the UK and did not find a job here yet.

So, no problem for you. Do not worry, you will not need to pay any money for back months.

If you are from an EU country you shuld get your free EU Health insurance card and used here for quite a long time. And this cover you as well when traveling arounf europe-

For other countries I will get another insurance.
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