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Switzerland Travel Insurance

Switzerland Travel Insurance

While your most awaited trip to Switzerland finally comes true, don’t forget to cover it with overseas travel insurance to ensure a worry-free trip. A few conditions when Switzerland travel insurance can help are-

  • Emergency illnesses leading to hospitalisation
  • Loss or theft of belongings
  • Trip delays and interruptions
  • Loss or theft of passport/visa
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Secure Your Trip to Switzerland with the Right Travel Insurance Cover

Switzerland, a landlocked mountainous country in South-Central Europe, is a paradise on Earth. This heart-pounding Alpine country shares borders with Germany, France, Austria, and Liechtenstein. Switzerland, with its magnificent alpine mountains, turquoise blue lakes, and picturesque landscapes, provides you with all the delights you have ever desired. While in Switzerland, you can relax in modern restaurants, rewind in picturesque gardens, and relish cuisines with live music in beautiful cafes.

However, there is no getting away from the health and travel risks that can lead to unexpected costs. Besides that, foreign tourists may find healthcare facilities to be prohibitively expensive.

As a result, it is preferable to remain financially secure by selecting an overseas travel insurance that will cover you during emergency hospitalisation en route.

Care Health Insurance offers Explore Europe - a travel insurance for Switzerland that provides the best protection in times of medical or non-medical emergency. The policy coverage is extended for emergency cashless or reimbursement hospitalisation, along with other non-medical emergencies such as trip cancellation, loss of important travel documents, baggage delay or loss, medical evacuation etc.

Is Switzerland Travel Insurance Mandatory?

Yes. Switzerland belongs to the Schengen region, which makes it mandatory for travellers to own travel insurance for Switzerland. Generally, to visit a Schengen region country such as Switzerland, you have to apply for a Schengen visa. You must have comprehensive travel insurance to apply for a Schengen visa successfully. Travel insurance with an appropriate sum insured protects you in the unforeseen events of a medical or non-medical emergency.

What are the Features of Switzerland Travel Insurance

Here are some of the major Features of travel insurance for Switzerland from India bought from Care Health Insurance -

  • Affordable Premium: One of the alluring features of Switzerland Travel Insurance is that the policy fits your budget by offering the extensive coverage at an affordable premium.

  • Automatic Trip Extension: An automatic trip extension for 7 days in case of prolonged hospitalisation, natural calamity, or unfortunate demise makes the policy worth your money.

  • Cashless Claim Processing: Worldwide cashless in-patient hospitalisation facilities can be availed at various Care Health Insurance network hospitals . The provider ensures seamless claim settlement on calls as well.

  • All-inclusive Protection: With round-the-clock travel coverage, we ensure your international trip is safe with us. We cover you for non-medical losses as well, including loss of baggage, important documents such as passport, and losses incurred due to trip cancellation etc.

  • Useful Add-on Benefits: The policy helps you customise and secure frequent and long-duration trips with optional covers like PED coverage, refund of visa fees, etc.

*Please refer to the brochure for more details on product features.

Switzerland Travel Insurance: Plan at a Glance

Whether you buy student travel insurance or any other type of travel insurance for Switzerland, you should check the policy’s coverage without fail. While you plan to buy Switzerland travel insurance from Care Health Insurance, here are a few plan details that we wish to bring to your notice:


Description Explore Europe
Sum Insured € 30K & 100K (Vary according to the premium)
Trip Options
  • Single Trip
  • Multi-trip (Policy will be on an annual basis)
Entry Age (Single Trip) Minimum: Child - 1Day; Adult- 18 Years
Maximum: Child - 24 Years; Adult - Lifelong
Entry Age (Multi-Trip) Minimum: Child - 1Day; Adult - 18 Years
Maximum: Child - 24 Years; Adult- Lifelong

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Covered under Switzerland Travel Insurance?

Travel Insurance for Switzerland from Care Health Insurance is designed to cover your travel-related needs. Below is what we cover under Switzerland travel insurance:

  • Emergency Hospitalisation: In case you find yourselves in a medical emergency that requires hospitalisation, the Switzerland travel insurance will come to your rescue with complete cover encompassing IPD and OPD expenses.
  • COVID-19 Coverage: Switzerland travel insurance also cover hospitalisation encountered due to coronavirus infection while you are in the country.
  • Personal Accident: We compensate up to 100% of sum insured in the event of death. Permanent Total Disability is also covered up to 100%, depending on the injury.
  • Treatment in your home country: If you require further treatment in your home country, there is coverage for expenses for up to 30 days or up to the policy end date, whichever is earlier.
  • Medical Evacuation: Switzerland travel insurance becomes a financial helmet when the insured member needs emergency medical evacuation under covered reasons.
  • Trip Hiccups:Trip hiccups such as flight delays, trip interruptions, flight cancellations etc., if encountered due to covered reasons, are covered in the travel insurance plan.
  • Loss of passport and checked-in baggage: If you lose your checked-in baggage or other important documents after boarding the flight, then the travel insurance for Switzerland provides coverage under covered circumstances.
  • Up-gradation to Business Class: For a comfortable journey, you will receive coverage under the Switzerland travel insurance if you require an up-gradation to business class.

What is Not Covered in Switzerland Travel Insurance?

Switzerland travel insurance plan provides you the maximum coverage against all your travel risks. However, there are some situations guided by IRDA that are considered as exclusions, and no claim is provided for the same. Check below our exclusion list:

  • Drug Misuse: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip.
  • Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalisation or death.
  • Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.
  • World War: Any medical or non-medical expenses arising from national or international war, nuclear perils, or consequences thereof.
  • Hazardous Activities: Any claims relating to hazardous activities like fire stunts, etc., that are otherwise not mentioned in the policy documents.
  • Dental Treatment: No coverage for any planned dental treatment or surgery expenses unless necessitated due to any acute pain.

Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is the Premium of Switzerland Travel Insurance?

The premium that an insured person must pay will be based on various factors, including the age of travellemaximum coverage against your ration, and the type of coverage selected.

Travel insurance for Switzerland provides maximum coverage against travel-related emergencies incurred. Care Health Insurance’s travel health insurance premium for the Switzerland zone starts from as low as around Rs. 540* for a single traveller on a 12-day-long visit.

Suppose you are travelling from India to Switzerland on a 12 day, one-time visit trip. Then in such a case the approximate premium cost of your travel insurance with a sum insured of $50k can be calculated by the online travel insurance premium calculator as mentioned below:


Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 30 years No $50,000 12 Days Rs. 540*


*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting Premium of Switzerland Travel Insurance

Care Health insurance provides a comprehensive Switzerland Travel insurance policy at an affordable premium. The plan provides coverage against several travel-related contingencies. However, various factors may affect your premium for Switzerland travel insurance. Thus, to ensure budget-friendly coverage, you must consider a few factors and only opt for the required coverage.

Suppose you are buying travel insurance online at the last minute. Then in such a case, you can ask your insurer to remove the benefits, such as a refund of the visa fee and trip cancellation insurance, to ensure a lesser premium. Here are a few more factors that may affect the Switzerland travel insurance premium.

  • Frequency of Trip: Multi-trip travel insurance comes at a higher premium, covering multiple trips yearly. Whereas single-trip travel insurance can be bought at a lesser premium. Thus, while buying travel insurance for Switzerland, you should consider the number of trips you will take throughout the year.

  • Trip Duration: The insurance premium is determined by the number of days you intend to spend in Switzerland. The lower the premium, the shorter the trip.

  • Medical history: If you have a pre-existing condition, such as diabetes or heart disease, you must ensure that the policy covers the necessary treatment costs.

  • High-Risk Zones: Insurance plans with higher premium requirements are available in high-risk zones. Check to see if your policy covers adventure sports.

  • Review the Exclusion: Read the terms and conditions carefully when comparing different travel insurance policies.

Claim Procedure

claim process claim process

Important Things to Know about Switzerland

Category Specifications
Total Population 8,774,399
Land Area 41, 285 square kilometers
Official Languages Swiss- German, French and Italian
Official Currency Swiss Franc
Capitals Bern(de-facto capital)
Driving Side Right-hand side
Popular Cities Zurich, Geneva, Lucerne, Bern, and Zermatt
Indian Embassy Kirchenfeldstrasse 28, CH-3005 Berne, Switzerland
Phone number:
0041 31 350 11 30
0041 31 350 11 39
Consular Enquiries:
Fax Number: 0041 31 351 15 57

Places to Visit in Switzerland

Prepare for breathtaking views of craggy peaks from Swiss mountain towns, exploring historic districts against a crisp backdrop of sparkling water and marvelling at majestic alpine meadows ringed by snowy mountains. Here are the top places to visit in Switzerland:

  • Zurich: It’s the largest lively multicultural Swiss city. You can go to riverside restaurants, upscale shops, and churches to witness the charm of this city. Lake Zurich, Swiss National Museum, Mount Pilatus, Oldtown, Opera House, and Zoo Zurich are the places that you should visit.

  • Geneva: When you step into this lakeside city, you can opt for a chocolate factory, cheese factory, and Geneva city tour . Lake Geneva- the turquoise beauty welcomes you with open arms. You can also go for a ferry or cruise tour to admire this huge lake's beauty.

  • Lucerne: As a small Swiss city, Lucerne has much to explore. Chapel Bridge, Lion Monument, Swiss Museum, and Spreuer Bridge are the city's major attractions . You should plan one day for this city to capture the night view of the lovely architecture.

  • Bern: This capital city of Switzerland is situated around the Aare River. The Zytglogge(Clock Tower), Bear Pit, The Cathedral of Bern, and the Parliament Building are the eye-catchers in the city. You can also go for a glacier trip from Bern.

  • Zermatt: This small Swiss town is for skiing, climbing, and hiking. Matterhorn- an iconic mountain in Zermatt, Gornergrat-a ridge, Klein Mountain-a lofty peak, and Gornergrat Railway Station are places you should visit when you are in Zermatt.

Travel insurance is not an option when visiting a country like Switzerland; it is a requirement. The type of insurance you choose will also impact your visa approval. However, comprehensive travel insurance from Care Health Insurance is required for complete transparency and assurance in understanding the service quality, scope of coverage, and claims process so you can have a carefree time in this beautiful country. You can also compare travel insurance plans online on our website and choose the one that best meets your needs. Get yourself a comprehensive travel insurance plan at an affordable premium and make your trip to Switzerland foolproof.

FAQs on Switzerland Travel Insurance

Q.Where can I get Switzerland Travel Insurance?

You can buy Switzerland travel insurance online through the website of Care Health Insurance. You can also reach out to your insurance agent to buy the policy offline.

Q.Is it necessary to declare pre-existing medical conditions to get travel insurance?

Yes. To get appropriate coverage under your Switzerland travel insurance, you should always mention if you have any pre-existing disease.

Q.Will my travel insurance Switzerland fees be refunded if my visa is refused?

This will depend on the type of insurance you purchase; for example, our Budget Europe Travel insurance will provide coverage for up to 90 days of travel within the Schengen Area. If you are planning multiple trips throughout the year, you may benefit from our annual Multi-Trip policy.

Q.Will my travel insurance Switzerland fees be refunded if my visa is refused?

The Switzerland travel insurance policy includes the option of reimbursement of the visa fee for an additional premium. If the visa gets rejected for no fault or negligence on the policyholder's part, the visa fee will be reimbursed.
The policyholder can go for cancellation of the travel policy, due to denial of visa, upon providing documentary proof, such as a written request and copy of passport/visa denial letter. The premium will be refunded, subject to policy terms and conditions.

Q.Will my travel insurance cover multiple trips to Switzerland?

This will depend on the type of insurance you purchase; for example, our Budget Europe Travel insurance will provide coverage for up to 90 days of travel within the Schengen Area. You may benefit from our annual Multi-Trip policy if you plan multiple trips throughout the year.

^^Number of Cashless Healthcare Providers till 30th June 2023

**Number of Claims Settled as of 31st May 2023

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

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