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Here’s one scenario: You’re hiking in Yosemite National Park in the US and suddenly you trip over a root, twist your ankle and end up in the hospital. In Switzerland, your health or accident insurance would fully cover this type of accident. But outside of Switzerland, mandatory basic health insurance covers no more than twice what it would cost in Switzerland.
In other words, without international health insurance, you’re stuck paying for transportation and treatment costs amounting to several thousand francs – and this is just for a minor injury.
Our travel insurance is based on modules which lets you create your own travel insurance policy. The Medical treatment costs abroad add-on module perfectly complements the Personal assistance basic module. It covers medical costs anywhere in the world that your mandatory health insurance and accident insurance don’t. Even in countries such as the US, Australia and Japan where medical treatment costs are very high.
Please note: The combined protection of Personal assistance and Medical treatment costs abroad replaces the previous AXA international health insurance myTravel.
Outside of Switzerland, basic health insurance pays at most twice the amount that similar treatment would cost in Switzerland.
The Medical treatment costs abroad add-on module covers emergency, scientifically recognized and appropriate outpatient and inpatient treatment outside of Switzerland.
Imagine that while you are traveling through Japan, you badly injure your knee on a hike. You are admitted to the local hospital, and the operation and inpatient treatment far exceed the costs covered by your basic health insurance.
Here’s another example: As you’re traveling through Australia, you suddenly contract a severe stomach infection in Perth. The medical bills mount up for your treatments, examinations, medications and overnight stays at the local hospital – and your basic health insurance will only cover part of it.
Basically, everyone living in Switzerland should have international health insurance – regardless of whether it’s for just a single trip abroad or regular vacations. Especially in countries where medical expenses are high, such as the US, Canada and Australia, even minor medical emergencies can set you back quite a bit of money. This is because mandatory basic health insurance only pays for a limited amount. If you don’t buy extra coverage, you’ll have to pay this difference yourself. By taking out international health insurance, you can avoid these risks. Combining the Medical treatment costs abroad add-on module from Intertours travel insurance with AXA’s Personal assistance basic module will give you comprehensive coverage.
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