Swiss Insurance Partners specialize in the best international health insurance solutions worldwide, offering you security, high product quality and continuity. Individuals and families throughout the world trust our professional advice and assistance in these areas where our expertise and are second to none.
Some two thirds of all expatriates with private health insurance are covered by a company or group insurance policy arranged by their employer. Those not eligible for this benefit or who prefer to make their own arrangements may take out an individual international health policy.
International health insurance makes sense - not just for expatriates
Even if you have no intention of moving abroad, you would do well to choose a private international health insurance policy. The public health service of many countries is inadequate, in many cases offering only basic services with no free choice of doctor worldwide. Comprehensive cover is strongly recommended in such cases and can often be better assured by an international health plan than by local health insurance.
International insurance cover independent of country of residence
In many countries, mandatory insurance cover is restricted to local residents. This is normally lost when they move abroad. They are left with a choice of finding another local insurer in their new country of residence or of turning to an international health insurer. While good local health insurance is available in many countries, it can be difficult to find a policy that permits a truly unrestricted choice of doctors and hospitals worldwide. An international insurance policy that provides such cover irrespective of the period of stay in the respective country naturally tends to be more expensive than local insurance.
Nevertheless, experience shows that the (often only slightly) higher cost of an international policy is more than balanced by its many advantages.
Wherever your life may take you, whatever you may do, only with good health insurance cover can you ensure that all your expenses are paid in the event of illness and an accident anytime, anywhere.
Take out private health insurance as early in life as possible
Anyone over the age of 60 or who has health problems may find it difficult to find new health insurance cover. So its already advisable to think about an international insurance policy at an early age before the first signs of age-related health problems begin to appear.
How do I select the right insurance plan?
There are many health plans to choose from whose benefits and prices vary widely. Policies differ in their cover of standard services and not only of optional extras. Thus some providers include cover for transplants and chronic illnesses, whereas others exclude them. This makes it relatively difficult to compare the various insurance plans available internationally.
We spend a lot of time continuously monitoring the market to gain an overview of all key features, benefits, exclusions, options and premiums.
Comparisons are often limited to current payments and neglect the higher cost of premiums in higher age categories. Many insurers charge tiered premiums based on bands of five years and their premiums rise significantly with increasing age. These extra costs are usually justified by pointing out that the need for medical care becomes more likely with increasing age. Only a few insurers offer more balanced premium curves. The consultants at Swiss Insurance Partners keep a watchful eye on this complex situation.
The provider is no less important than the policy
If you need long-term cover, you should not look only at the benefits and premiums but also at the company itself. There are many insurance products on the market and many of them are attractively priced. However, it is advisable to check out the actual performance of the company as well as to consider what the situation might look like in ten years time whether the health plan, or even the company itself, is still likely to be around.
See the article about the Benefits of Private International Health Insurance by Swiss Insurance Partners
Why use a broker?
Almost all health insurers operate through brokers who give advice and information to those seeking insurance. In return, the brokers receive a commission for each concluded contract. However, the premium is exactly the same if the policy is purchased directly from the provider, as there is no reduction for direct clients. So it makes a lot of sense to conclude the policy via a broker, who is relatively independent, has the necessary expertise and experience in the insurance business and is not bound to a single insurer but can offer products from various providers. Independent insurance consultants also have experience in identifying potential problems because they constantly monitor the health insurance market worldwide and compare the premiums and services on offer.
What benefits do Swiss Insurance Partners offer?
We offer health insurance policies with worldwide cover from the leading and longest established health insurance companies. They provide comprehensive cover and a free choice of doctors and hospitals for medical treatment worldwide.
Swiss Insurance Partners allow you to choose between the best carefully selected insurance plans that suit your individual needs. Special health plans designed to top up and complement existing local insurance are also available, but it is in most cases preferable to switch directly to an international insurance policy.
We also have plans with no restrictions on hobbies or sports of any kind. We also cover sport professionals.
By arranging your international insurance through Swiss Insurance Partners, you pay no more in premiums than going directly to the insurance company. In fact, you save time and money because you benefit from our comprehensive independent advice and support.
Not only can you be sure to get a product that dovetails optimally with your needs, you also benefit from our continued assistance and advice.
Swiss Insurance Partners offer more international insurance products from a wider range of providers than any other broker.
We act independently of any insurance companies and hold a government license from the Swiss Federal Office of Private Insurance (FOPI) as insurance consultants and brokers. We therefore work exclusively in the interest of our clients. Thanks to our extensive knowledge and experience, we are your ideal partner for all questions relating to international health and accident insurance.
