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Schengen Guest Insurance Switzerland

Business & Leisure
CHF 63 / 8 days
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Great price
Great price
Visa compliant
Visa compliant
Instant policy
Instant policy

Schengen Guest Insurance Switzerland

To obtain a visa for a short stay in Switzerland, as it is in the Schengen Zone, you are required to provide proof of sufficient insurance coverage for your entire stay. This insurance provides the coverage required at an excellent price and is widely accepted by embassies and consulates.

 

Included are emergency medical costs within the Schengen zone in cases of new illness and accidents. Repatriation and assistance are also included as required by the Schengen regulations.

Who can apply for the plan?

  • All individuals visiting Switzerland

  • All applicants for a Schengen visa

  • Max. age for the plan is 69 years old

  • Max. duration is 182 days

All travelers who need to provide a Schengen visa insurance to a consulate or an embassy.

One’s destination is never a place, but a new way of seeing things. - Henry Miller

Nice to know

  • Coverage for illness and accidents
  • In-/ out-patient treatments
  • Repatriation to home country
  • Repatriation of mortal remains
  • Hosts can apply for guests as a policyholder
  • Compliant with Schengen rules
  • For individuals and groups
  • 24/7 Assistance
  • 100% digital
  • iOS / Android app
  • Payment by credit card
  • Policy immediately available

Frequently Asked Questions

  • How can I change my address?

    You can change your address by logging into your customer account or using the MySwisscare app on iOS or Android.

  • Hospital treatments, general practitioners or dentists, what is covered?

    If you are in need of medical treatment, it is important the treatment is undertaken by a doctor whose certification is officially recognized in the country you receive your treatment. Depending on the insurance coverage you have chosen, certain exclusions may be applicable. We recommend that the General Insurance Conditions are consulted and if it is not clear, to ask questions concerning reimbursement and claims directly to the concerned claim service. Outpatient treatments (meaning you don’t have an overnight stay in a medical facility) generally have to be paid in advance, then you can proceed to submit your claim to the claim service via email, or via your customer account or the iOS / Android app.


     

    In the case of hospital admission for inpatient treatment (meaning an overnight stay), you can present your digital insurance card saved on your MySwisscare account or on the iOS or Android app. If the inpatient facility requires further information, you can simply click or tap share - and then enter the email address given by the hospital. They will then receive the complete insurance policy with all the details. Most of the time, inpatient treatments will be billed directly to the concerned insurer, however, they may request a security deposit.


    Dentists are usually not covered unless there is an accident. Should a plan provide coverage for dental treatments this will be stated in the General Insurance Conditions (GIC’s and the benefits list).

  • What is a deductible?

    The insurance deductible is a fixed sum that is at the expense of the insured in the case of a claim covered by the chosen insurance policy. The general insurance conditions define the amount and the scope of application.

    The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a specific treatment or for a specific insurance cover. Not all insurance products are submitted to a deductible.

    The insurance deductible is also stated on the insurance policy.
     

  • How do I claim my medical expenses?

    Important

    Please note that coverage is only provided for the benefits stated in the General Insurance Conditions. At times exclusions are also applicable and they vary depending on the insurance product. It is recommendable to verify the coverage of the chosen product in advance.

    In the case of outpatient treatment (no overnight stay at a medical facility), the insured always has to pay for the medical treatments (doctor’s, pharmacy, specialists, hospital outpatient treatments) in advance. 

    To ensure you are refunded quickly, it is recommendable to follow the claim procedure via your customer account or by using the MySwissare iOS or Android App.

     

    1. Log into your MySwisscare Account

    2. Select the concerned insurance policy and complete the online fields

    3. Take a picture and/or upload the pdf or jpg file of your detailed invoice

    4. Take a picture and/or upload the proof of payment (bank receipt or cash payment receipt from the pharmacy, doctor, specialist, hospital...)

    5. Short statement concerning the medical issue and the administered treatment

    6. Send / Submit


     

    How long does it take for a refund to be made?

    Once the concerned claim service has received all required documentation the insurer will initiate the refund procedure. In most instances, a refund is effected within 30 days of submission of the complete documentation. During peak seasons (for example December) it is possible that a refund will take longer. If within 45 days you have not been refunded by the insurer, we recommend that you contact them directly via email or our contact form.

  • How do I cancel my insurance (SGIS)?

    You can cancel your insurance before the start date of coverage. Termination with a refund is only possible in the following circumstances:

    • The entry has not taken place (e.g., by a letter of refusal from the competent authority in Switzerland, medical certificate, or rejection of visa)

    • To be eligible for a full refund, the cancellation request must be received before the start date mentioned on the insurance policy. 
       

    Cancellation requests received by Swisscare after the effective date will be subject to the following conditions:

    • A cancellation fee of CHF 50 will be charged. 

    • No claims have been submitted.
       

    Once the insurance coverage begins, it is no longer possible to cancel and obtain a refund without an official visa refusal. 
     

    Refunding of the insurance premium will be done by Swisscare using the same payment method as originally used for the purchase. The possible fees for bank transfers or credit card payments are at the sole expense of the insured. No cheques are established by Swisscare.

  • What are the Swisscare news for COVID-19 (SGIS)?

    Coronavirus

    The coronavirus broke out in China at the end of 2019. In other countries, people are now infected with the coronavirus. The virus is spread from person to person, but also via the air.

    Are you traveling in the area where the coronavirus occurs, or are you traveling here soon? Then you may have questions about your insurance coverage. In this message, we have listed the most frequently asked questions about coverage.

    We advise you to always follow the instructions of local authorities. We also recommend you to keep an eye on the website of the World Health Organization (WHO): https://www.who.int/emergencies/diseases/novel-coronavirus-2019

    Do you feel sick?

    If you have flu symptoms, you should call a doctor as soon as possible. If the doctor has determined that you are infected with the coronavirus, contact the Alarm Service. They can be reached on telephone number +41 44 655 12 59‬.

    Coverage with negative travel advice (Code Orange)

    If you go to your travel destination when negative travel advice is valid for your travel destination, then you are not insured for claims related to the coronavirus.

    Were you already at your travel destination when the Orange code was issued, and are you getting sick?

    Then you have coverage until you can leave the area. The costs for repatriation to your home country are not insured. If you can leave the area, but you decide to stay, the coverage will expire. The same also applies if negative travel advice is given for another location in the future.

    Travel Insurance for tourism and business

    If you have Travel Insurance for tourism and business, the costs for repatriation to your home country are insured.

    I'm sick and being treated. The coronavirus is declared an epidemic/pandemic at my destination while I am ill and being treated. Am I insured?

    You are then still covered for medical expenses.

    I am in an infected area, but I have not infected myself. I do have to be in quarantine. Is this covered?

    No, this is not covered.

    Can I still cancel my insurance or go home earlier if there is negative travel advice?

    You will not receive a premium refund if you go home earlier or decide to cancel the insurance after the starting date of the period of coverage stated on the insurance policy. You can cancel the insurance if the insurance has not yet started (starting date of the period of coverage stated on the insurance policy).

    You will then receive a refund of the premium you have paid.

    Can I have myself tested preventively for coronavirus?

    There is no cover for preventive testing for the coronavirus.

    What to do in case of an emergency or claim?

    In case of an emergency, you contact the Alarm Service. By emergencies, we mean, e.g., repatriation, accidents, (outpatient) clinical treatment in a hospital, hospitalization, and at the start of your return on medical indication. You then do exactly what the Alarm Service requires from you.

    The alarm service is available for you 24/7. We offer advice concerning the steps to be taken and organize the necessary support.

    How can you declare your costs?

    The claims department is for reporting damage, for example, damage to your luggage and costs for visiting a doctor when you are ill.

    You can report claims in your account online at www.swisscare.com or use the MySwisscare app. Always report damage as soon as possible.

    The claims department is available from Monday to Friday during office hours. We advise you on how to report a claim and which details need to be handed over.

    Advanced payment of all expenses

    All expenses for claims must be paid in advance by you before we will proceed to the reimbursement, except for:

    • ​admission in a hospital for inpatient treatments, and/or
    • search and rescue
       

    For these two cases, you have to provide the alarm service with the complete contact details of the hospital or authorities immediately in order to establish a guarantee of payment.

  • How long does it take until I receive my insurance policy? (SGIS)

    Instantly if you pay by credit card.

    If you pay for your insurance by credit card, you can download your insurance policy immediately.

Legal: The risk carrier is Helvetia Swiss Insurance Company Ltd, Dufourstrasse 40, CH-9001 St. Gallen. The insurance lies with: Europäische Reiseversicherungs (entitled ERV in the GIC), a branch of Helvetia Swiss Insurance Company Ltd, headquartered at St. Alban-Anlage 56, P.O, CH-4002 Basel. The company is registered by the Swiss Financial Market Supervisory FINMA.