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Switzerland Travel Insurance

Switzerland Travel Insurance

  • Region Specific Plan to suit your need
  • Business Class Up-gradation
  • Double Sum Insured in case of Hospitalization due to Accident
  • Stay Safe and Travel Worry-free with Our International Plans
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Secure Your Trip to Switzerland with the Right Travel Cover

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

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 secured by selecting an overseas travel insurance that will cover you during emergency hospitalisation en route. Care Health Insurance offers Explore Europe- a travel policy that provides the best protection in case of a 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 it Mandatory to Get Travel Insurance while Traveling to Switzerland?

Yes, Switzerland is one of the Schengen countries, and Switzerland travel insurance is mandatory for all the foreign nationals, including Indians, to get a Schengen Visa. It allows you to travel freely within Schengen countries and protects you in the event of a medical or non-medical emergency, as mentioned above.

Explore Europe - Travel Insurance for Switzerland

Care Health Insurance offers a comprehensive travel cover for Switzerland under Explore Europe - an exclusively designed policy that takes care of you while travelling either for vacation or business.

Features of Buying Switzerland Travel Cover

Here are some of the major Features of travel insurance for Switzerland from India policy with 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: World-wide cashless in-patient hospitalisation facility can be availed at various network hospitals of Care Health Insurance. 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, 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.

Policy Details for Switzerland Travel Insurance


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)


Child- 1Day

Adult- 18 Years


Child- 24 Years

Adult- Lifelong

Entry Age (Multi-Trip)


Child- 1Day

Adult- 18 Years


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 Plan?

Travel Insurance for Switzerland is designed to cover your travel-specific risks. Below is what we cover under Switzerland travel insurance:

  • Emergency Hospitalisation: In case you find yourselves in a medical emergency that requires hospitalisation, the travel insurance plan for Switzerland will provide you with complete cover encompassing IPD and OPD expenses.

  • COVID-19 Coverage: Our travel insurance plans also cover hospitalisation in a foreign country due to coronavirus.

  • Personal Accident: We will compensate up to 100% of the sum insured in the event of the death. Permanent Total Disability is also covered up to 100% depending on the injury.

  • Treatment in your home country: In case 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: Get cover during an emergency when there is a need for medical evacuation to the home country. Trip delay, cancellation, or interruption: You will get compensation for the trip delay, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.

  • Loss of passport and checked-in baggage: Get coverage for loss of checked-in baggage or delay of checked-in baggage. In case of loss of passport, the plan offers a fixed amount to obtain its new or duplicate copy.

  • Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage under the Switzerland travel insurance policy.

What is Not Covered in Switzerland Travel Insurance Plan?

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 hospitalization 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 out of national or international war or 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 the expenses of any planned dental treatment or surgery unless necessitated due to any acute pain

Note: 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.

What is the Premium for Switzerland Travel Insurance?

The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected.

The travel insurance plans for Switzerland offered by Care Health Insurance are pretty affordable and budget-friendly. CHI's travel healthcare insurance premium for the Switzerland zone starts from as low as around Rs. 540* for a single traveller on a 12-day-long visit.

For instance, if you are travelling from India to Switzerland on a 12 day, one-time visit, the approximate premium cost of your travel insurance with a sum insured of $50k is calculated as below:

Insured Member(s)


Any Pre-existing Disease

Sum Insured

Policy Duration

Premium Amount (approx.)


30 years



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.

How to Calculate Switzerland Travel Insurance Premium with Care Health Insurance?

You can calculate your Switzerland travel insurance premium cost in these five easy steps:

Step 1: Visit the official website of CHIL, navigate through the travel insurance section and click on the ‘Get Quote’ option. Enter your contact information, including your mobile number, name, and email address, followed by the age of all the members to be insured.

Step 2: Click ‘Next’ and select your travel destinations and travel date. Your policy period will be the same as the number of your travel days.

Step 3: Check in the toggle if the insured members are dealing with any pre-existing medical conditions.

Step 4: Choose the Sum Insured. Care Travel Health Insurance provides two sum insured options: $50k and $100k.

Step 5: Check your calculated premium and click ‘Buy Now’ to proceed.

Please note: The exact premium cost for Switzerland travel insurance is subject to several factors, including the number of travellers, their age, destination country/countries, trip duration, and the type of coverage selected.

Things to Keep in Mind Before Buying Switzerland Travel Insurance

Choosing the right travel insurance is essential to remain fully covered for your Switzerland trip. However, with plenty of options available in the market, selecting the best travel plan can be difficult. Fret not, we’re here to guide you with the below tips that will help you land on the right travel insurance for Switzerland:

  • Frequency of Trip: While a one-time trip requires single-trip insurance, frequent travellers should opt for a multi-trip travel insurance plan.

  • 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: When comparing different travel insurance policies, make sure to carefully read the terms and conditions.

Claim Procedure

claim process claim process

What are the Types of Visa for Switzerland?

Since Switzerland's accession to the Schengen and Dublin Treaties went into effect on December 12, 2008, Swiss representations abroad have been able to issue certain types of visas based on the length of stay and purpose of the journey in Switzerland. You can apply for the following main types of visas based on the purpose of your visit:

  • Schengen Visa valid for up to 90 days: For individuals wishing to enter Switzerland for a short stay of up to 90 days within a 180-day period, such as for tourism, a visit to relatives or friends, short-term language studies, participation in a conference or sporting/cultural events, etc.

  • National Visa for a stay of more than 90 days: For those wishing to enter Switzerland for a stay of more than 90 days within a 180-day period. It is subject to the approval of the cantonal migration authority responsible for the intended place of residence. This visa is suitable for those who are visiting as students for short-term courses , family reunion, marriage in Switzerland, etc.

  • Airport Transit Visa: For citizens of certain countries who require a transit visa even if they remain in the airport's international transit area and do not enter Schengen territory.

  • Work Permits / Labour: The admission of foreign workers to a Swiss employer is subject to the approval of the competent cantonal authority. Only after the requested authorizations have been delivered the entry visa is granted.

Documents Required for Switzerland Visa

A Switzerland visa is obligatory to visit the Schengen zone. The process is not cumbersome. You need to submit all the below-mentioned documents on time and pack your bags to enjoy your journey.

  • Switzerland Travel Insurance
  • Application form
  • Proof of Date of Birth
  • Address proof
  • Employment Contract
  • A valid passport
  • Travel itinerary
  • Proof of accommodation
  • Bank account statement
  • Income tax proof

Important Things to Know about Switzerland

Total Population


Land Area

41, 285 square kilometers

Official Languages

Swiss- German, French and Italian

Official Currency

Swiss Franc


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

  • Lucerne: Being a small Swiss city, Lucerne has a lot to explore. Chapel Bridge, Lion Monument, Swiss Museum, and Spreuer Bridge are the major attractions of the city. 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 the places that 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 full proof.

FAQs on Switzerland Travel Insurance

Q.Where can I get Switzerland travel insurance?

You can purchase Switzerland travel insurance from a credible insurance provider, either in person or online. To compare different international travel insurance plans, go to the insurer's official website. You can purchase Schengen travel insurance depending on your budget.

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

Yes! To ensure your coverage, you can answer a few quick and confidential questions when submitting your application.

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. 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. In case the visa gets rejected for no fault or negligence on the part of the policyholder, 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 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 for Switzerland cover me for multiple trips to Switzerland?

If you have planned multiple trips to Switzerland, customise travel insurance cover by selecting the annual multi-trip policy. The policy will include more than one period of insurance during the policy term, subject to the maximum trip duration per trip, as mentioned in the policy schedule.

^^Number of Cashless Healthcare Providers till 31st Dec 2022

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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