I was wondering whether it is possible to combine a local minimum compulsory Swiss insurance with a foreign private complementary insurance like BUPA International or Allianz.

What I mean is if I get sick in Switzerland for example, are the benefits of the international insurance like a private room granted?

The reason I ask is that I find international plans cheaper and seem to give better coverage..

They probably don't cover you for pregnancy, that was the issue 15 years ago, as a male I can't see an issue. I suspect GP cover is not included, I have BUPA & a legally required one, both have huge excesses so I always pay all my own medical bills.

Interesting.. some of the foreign ones do have a clause on pregnancy though I don't know how much a private maternity stay costs in Switzerland. Not that this is on the agenda, but well spotted - female, 1974, could well be on the agenda sooner or later OK thanks so it does sound possible.

Providing you have a basic Swiss cover I don’t see any reason why you can’t also have a foreign policy as well. However, you may find complications if you have to go to hospital as both insurers would have to pay part of the bill.

While Swiss supplementary cover may seem more expensive there is one very big difference. Once you have Swiss supplementary cover the insurer cannot increase your premium or refuse renewal no matter how ill you become.

I don’t think you will find that a foreign policy will provide this. I suggest that you contact our resident expert Jenny and consult her.

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I would not say I had 2 insurances with 2 excesses no thanks, I would just claim on the most suitable!