International health insurance for Switzerland

The Swiss plans are offered through our partnership with the Swiss health insurer KPT
Our international healthcare plan provides top-up cover to the mandatory Swiss Health Insurance – to cover you when you are in Switzerland and when you are away. Our International top-up healthcare plans include cover for a wide range of in-patient and day-care treatments as well as an optional level of cover such as out-patient, dental, maternity and repatriation benefits. Our plans also include treatment for Covid-19. 

Your cover is also subject to: 

  • Policy definitions and exclusions 
  • Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant). 
  • Any policy endorsements, policy terms and conditions and any other legal requirements. 
  • Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.

Doctor visits

Doctor visits & hospitalisation

Hospital visits

Emergency medical care

Prescription drugs,

Prescription drugs


Wellness services

Our expat health insurance plans offer excellent benefits for Swiss expat living overseas, as well as expats moving to Switzerland.
Step 1:
Choose your Core plan 

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more. All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

Step 2:
Add any of the optional plans 

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA

Provides multi-country cover so you can use your medical cover in any country included within your chosen area of cover. It is a good idea to select an area where you normally travel to or live for more than 6 months of the year. Terms and conditions and regulatory restrictions apply.

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Maximum plan limit
CHF 2,925,000
Maximum plan limit
CHF 1,950,000
Type of room
Private Room
Private Room
In-patient / Day-care
Medical Evacuation
Psychiatry and psychotherapy
CHF 7,800
Nursing at home
CHF 5,525
CHF 3,680
Rehabilitation treatment
CHF 5,750
CHF 3,900
Emergency out-patient treatment
CHF 975
CHF 975
Emergency out-patient dental treatment
CHF 975
CHF 650
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness Support Programme
MyHealth Digital Services
Dental plan
Ready to get your cover?
Click here to request a call back or email us. 
If you are an International students studying in Switzerland, our ScoreStudies product may be the right solution for you.
Everything you need to know before you go and when you get there

You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate.

If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses. 
 If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling. 
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.

This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere* in the world. If your area of cover is “Africa”, then your cover will be valid everywhere* in Africa. 
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.

Most of our contracts are for one year – but we have a short-term plan to suit members who need International Health Insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480.

In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital.  Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.
Your dependents can be added to the policy subject to medical underwriting. They would be subject to their own premium which would be derived from both their age and from the cost of healthcare in the primary country of residence.
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
Did you know that we have a support page for members with all you need to know to make the most of your cover. 
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
Best International Group Health Insurance Provider 2023.
Certain services that may be included in your plan are provided by third party providers outside the Allianz group, such as the Expat Assistance Programme, Travel Security services, Second Medical Opinion and tele-medicine services. If included in your plan,  these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These Services may be subject to geographical restrictions.  The health advice and the wellness resources contained within Olive are for informational purposes only. The resources contained within Olive shouldn’t  be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.