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Frequently Asked Questions

• Do you charge for your services?
• Do Swiss Insurance Partners offer many different insurance products?
• Why should I use the services of Swiss Insurance Partners?
• Do you offer international health insurance plans for families?
• Are pre-existing conditions covered?
• Is there an age limit for joining international health plans?
• Who do I pay the premiums to?
• What is a deductible/excess?
• What should I do in case of an emergency?
• Does the international medical plan cover pregnancy?
• Do I have a free choice of doctors worldwide?
• What happens when I return to my home country?
• Is dental treatment covered?
• What is the difference between a standard and a comprehensive medical plan?
• Can I choose between different areas?
• Does the insurance company require the applicant to undergo a medical examination?
• Which conditions does an International Insurance Plan not cover?
• Is any sports activity covered?
• What is the difference between in- and outpatient cover?
• Are drugs/medications insured?

No. By arranging your worldwide medical insurance through Swiss Insurance Partners, you pay no more in premiums than by going directly to the insurance company. Instead you save time and money because you benefit from our comprehensive, independent advice and support services.

Yes. We are agents for all important international health insurers and thus offer all relevant international health plans on the market.

We constantly monitor products and prices as well as services, claims handling and other factors of importance to our clients. Not only can you be sure of selecting the insurance plan that really suits your needs, you also benefit from our ongoing assistance and advice.

Yes, we also offer family-friendly plans. Some of these allow any children born to already insured persons to be automatically fully insured without the need for underwriting with its attendant risk of exclusions or premium loadings.

We provide plans with full cover for chronic conditions if these are diagnosed after enrolment or are accepted by the insurance company. Some companies also offer coverage for pre-existing conditions after a two to five-year waiting period. However this also depends on the age of the applicant.

The maximum age for joining international health plans varies from company to company. Most international health insurers tend not to accept new applicants after the age of 60-65 years. However, we also offer plans that accept applicants up to the age of 79 years.

You pay your premiums directly to the insurance company.

A deductible/excess is the amount of the claim that you agree to pay yourself. This amount is deducted from a claims payment. We provide plans with deductibles on either an annual or per-claim basis. Plans may also be purchased without any deductibles. You may also reduce your premium by increasing the amount of your deductible.

We recommend that you carry your insurance card (which is also like an insurance ID) with you at all times. In case of emergency and immediate hospitalisation, you simply show the hospital staff your insurance card: the hospital will continue their treatment once they know that you are fully insured. For medical advice, second opinions and in situations where you may immediately require a doctor or hospital visit, the emergency centres of the insurance companies will be available to assist and guide you. You may, of course, contact Swiss Insurance Partners for assistance at any time.

Most policies cover pregnancy and childbirth. However, there is usually a waiting period after the date of commencement (usually between 10-12 months).

Yes. Our full worldwide plans offer you a free choice of doctors, specialists, hospitals etc. anywhere in the world.

Most international health plans are specially designed for expatriates. These plans will be cancelled when you return to your home country or give you a limited period of coverage there. However, many of our recommended plans are also valid during residence in your home country.

You have the option of including dental treatment as additional cover to the main plan.

A standard or basic scheme will usually cover in-patient or day-care treatment, post-hospital treatment, nursing at home, emergency dental treatment and complications of pregnancy. It will not cover outpatient, routine maternity or dental costs. A comprehensive scheme will cover all of these in addition to outpatient and specialist care, and in some cases also complementary care and routine dental treatment.

Yes. We offer plans with both worldwide and regional coverage. However, we do not provide plans restricted to a single country.

Each applicant has to fill in an application form. The insurance company will evaluate your application and may then ask for further information about medical checks etc.

This varies from plan to plan. As a rule, most international health insurers do not cover venereal diseases, AIDS/HIV, obesity surgery, cosmetic surgery, any kind of fertility treatments or any kind of care which is experimental. They also exclude treatment for the results of abuse of alcohol, drugs and medicines, nuclear reactions or radioactive fallout or injuries/sickness caused while actively engaging in war or due to invasion, acts of a foreign enemy, terrorist acts etc.

As a rule, most insurance companies do not cover any kind of professional sports. However, we can provide special plans that cover leisure interests and sporting activities regardless of your job. We can also insure sports teams.

In-patient cover relates to treatment in a hospital or clinic involving the need to occupy a bed overnight on medical grounds. Outpatient treatment does not require an overnight stay.

Yes, as long as they are prescribed by a doctor.