Comprehensive – The Carefree Package
What is covered by the Comprehensive insurance product?
Primarily it is the cost of treatment, i.e. the health insurance company. Benefits are paid in case of illness and accident, for hospital, doctor and medication. The cover is supplemented by interesting modules (accident capital, legal protection, private liability, luggage and household contents).
Where can I get treatment?
In the host country, i.e. where the training, internship or employment takes place, as well as a limited duration in your home country – provided that you have not interrupted or interrupted your studies / internship (e.g. during the semester break).
Can I choose my doctor or the hospital?
Yes, you can do that. It is important that it is a recognised hospital or a recognised doctor. The treatment must also be medically necessary.
How am I insured in an emergency?
The insurer organises transport to the nearest suitable hospital. If sufficient medical care is not available locally, transport to the home country can also be arranged, taking into account the insured person’s state of health. Search and rescue costs are also insured, but it is worthwhile to clarify risky activities (trekking) etc. in advance.
If I travel to another country during the semester break, I am insured?
Yes, you are insured for emergencies worldwide.
Are certain sports not insured?
Insured are e.g. skiing or diving. Paragliding is not insured. It is therefore worth clarifying this in more detail or taking out supplementary insurance.
Can I extend the insurance coverage after finishing my studies, e.g. for a world trip?
Yes, max. 6 months.
are existing illnesses insured?
No, previous illnesses including the consequences of accidents are excluded. In the event of an unforeseeable deterioration in health with regard to previous illnesses/accidents, benefits may be provided.
How can I settle benefits with the insurer?
If you go to the doctor, you usually pay the bill yourself and send it (the original) together with the claim form, which you can download in advance from the website to: claims@expatinsurance.eu. If you plan to stay in hospital and in the USA in general, you must always contact the insurer in advance.
When I come back to Switzerland, I can dissolve the cover?
You define the duration of the insurance coverage in advance. If you return early, the unused premium will be refunded to you, provided that no benefits have been billed via the insurance company.