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Old 22.04.2013, 22:11
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Travel & accident insurance

Is it possible to get travel and accident insurance in Switzerland for people coming to Switzerland to visit but who do not normally reside here? My aunt who is 82 years old is coming to visit me (from Brazil) but she does not want to spend money on insurance and I understand it is not compulsory. So I am thinking about getting the insurance for her anyway. My thinking is that if anything happens, it is much better to have it covered. Of course nothing will happen but I like to be on the safe side.

Does anyone have experience with this?
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Old 22.04.2013, 22:32
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Re: Travel & accident insurance

While it is not compulsory there are endless stories of people being bankrupted for exactly the reason you state. If anything does happen and it can be as much as simply tripping over and getting put into hospital with a break, that could costs 10s of thousands if the hospital will even treat someone with no insurance.

What the tricky part is I have no idea if you can take out an insurance for someone wo is coming here, normally you buy it in the location you start your travel.

Tell her she absolutely, absolutely needs it! The cost is minimal for what it could save her and the likelihood is nothing will happen except if she doesnt have any then something is guaranteed to happen.

Make sure she does he right thing.
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Old 23.04.2013, 09:16
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Re: Travel & accident insurance

I suggest you start looking soon, as most travel insurances will have an age limit of 65 years, or will have tens of exclusions for people above this age. Also, all pre-existing conditions are usually excluded unless paid for. Basic insurance offers as the one you get by SMS when arriving in a foreign country wont cut it.
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Old 23.04.2013, 09:58
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Re: Travel & accident insurance

She (or you) will have to get it from Brazil. You cannot get it here or any other country. But given her age it may be expensive (higher risk) but worth the money. They may ask for existing conditions, etc. The 'standard' insurances may not apply, so they will have to do a custom contract for her. But make sure you are clear what is covered and what is not, as with all insurances there are exclusions, and if the event of a claim they will look for any excuse not to pay.
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Old 23.04.2013, 10:04
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Re: Travel & accident insurance

She should get insurance out of consideration for you - whether you pay or not is a fine detail to be discussed.

I have an aunt who's being treated for cancer and she's decided to take a vacation in the US. I dearly hope she's insured and not in breach of any terms of the coverage as it would ruin them financially if she has a health issue in the US and requires treatment and repatriation.
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Old 30.04.2013, 16:41
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Re: Travel & accident insurance

Make sure she gets insurance, whether she or you pays for it. As others have said at her age is not a good idea to be travelling without it. Some companies like SAGA specialise in insurances for the over 50s so there may be some companies in Brazil offering the same sort of service. It may seem expensive, but any accident or serious illlness resulting in hospital treatment is going to cost a lot more than any insurance premium.
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Old 30.04.2013, 17:27
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Re: Travel & accident insurance

Due to her age, and any pre-existing conditions, you may well find it very difficult to get insurance. Her visiting without suitable insurance is just too risky here in Switzerland.

Ask yourself - if anything happened to her, would you have the heart to watch her go without treatment because she is un-insured?

Last edited by Odile; 30.04.2013 at 20:24.
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Old 30.04.2013, 20:20
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Re: Travel & accident insurance

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Is it possible to get travel and accident insurance in Switzerland for people coming to Switzerland to visit but who do not normally reside here? My aunt who is 82 years old is coming to visit me (from Brazil) but she does not want to spend money on insurance and I understand it is not compulsory. So I am thinking about getting the insurance for her anyway. My thinking is that if anything happens, it is much better to have it covered. Of course nothing will happen but I like to be on the safe side.

Does anyone have experience with this?
Do you realise that not having sufficient health insurance or alternatively enough funds to cover any potential medical issues, would be grounds to refuse her entry into the Schengen Area, if she is stopped by immigration? If that turned out to be the case, then she would be responsible for the costs of deportation as well. Explain that to her and she might see that the insurance makes sense after all.
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Old 29.03.2014, 12:49
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Re: Travel & accident insurance

Hi
I am a Swiss Resident (B Permit) so I have the mandatory insurance and I have insurance provided by my employer. However, I am going paragliding in Spain and need to find an insurance company that covers paragliding as a sport and covers my pre-existing medical conditions. I had a policy in the UK but now need to find a similar policy here. Any ideas on where I find such a policy?

Thanks
Lynn
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