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Old 09.03.2015, 18:07
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Health Insurance Coverage International

Specifically, I want to know if I break my leg in the US or Germany and the doctor says I need surgery will my insurance cover it in the country where I had the accident or will I have to go back to Switzerland?
Secondly, once home will my insurance pay even though the injury happened out of my home country?
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Old 09.03.2015, 18:19
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Re: Health Insurance Coverage International

If you cannot understand your health insurance policy, then ask!

My extra cover policy covers me for most things,
http://www.visana.ch/de/private/ange.../ambulant.html
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Old 09.03.2015, 18:25
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Re: Health Insurance Coverage International

Ask your insurance company not a random Internet forum.. we don't know the specifics of your insurance policy.
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Old 09.03.2015, 18:42
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Re: Health Insurance Coverage International

Normally health and accident policy covers you only here in Switzerland, and you have to pay extra for cover abroad, and more for cover outside Europe. Hope it is not too late.
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Old 09.03.2015, 18:45
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Re: Health Insurance Coverage International

Hello and Welcome to the Forum
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Old 09.03.2015, 19:50
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Re: Health Insurance Coverage International

Normally, you are covered outside of Switzerland to twice the cost of what the treatment would cost in Switzerland. So in Europe you are probably ok… in the US I'd be taking out travel insurance!!
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Old 09.03.2015, 20:40
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Re: Health Insurance Coverage International

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… in the US I'd be taking out travel insurance!!
Minimum $3 million coverage is recommended.
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Old 10.03.2015, 09:19
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Re: Health Insurance Coverage International

Normal basic Swiss health insurance will cover you for emergency treatment abroad, up to twice the equivalent cost in Switzerland.
Breaking your leg would be covered by accident insurance, which is normally provided by your employer, if you are working. You would need to check with their policy to see how you are covered.
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