International health insurance for expatriates

Overseas health insurance is only for short-term stays and supplements your home country’s health insurance. This type of insurance covers typically only acute illness and accident.

International health insurance, on the other hand, is intended for long-term stays and replaces your home country’s health insurance (with regional or worldwide coverage).

While local insurance providers may be suitable in some cases, they often come with limitations — including reduced benefits, restricted coverage areas, and varying service quality. An international health solution offers you regional or global cover of the highest quality, as along with comprehensive support and advice in English, Swiss German/German, French or Italian.

Yes, we can normally find a suitable provider with an individual solution even for people with pre-existing conditions.

Yes, depending on the solution you choose, you will enjoy worldwide cover, even when visiting your home country or staying in other countries.

Yes, the policy usually includes evacuation, repatriation and treatment in Switzerland or your home country.

Families can be insured together. We can advise you on policies for children and answer any questions you may have about maternity and insurance cover for the whole family.

Upon your return to Switzerland, you’re required to rejoin the Swiss basic health insurance system. However, your international health insurance may still be continued as supplementary coverage — offering added benefits beyond the standard plan.

We’re here to guide you through your options and provide tailored advice based on your individual situation.

Most policies offer flexible cover that can be easily adapted to a new location. We will help you to adjust your insurance – with minimal effort and seamless cover.

The insurance is renewable for life if you continue the contract without interruption.

Costs start at around GBP/EUR 6,000 per year, depending on the region, age and desired benefits. We would be happy to provide you with a quote based on your individual needs.

We provide independent, no-obligation advice at no cost to you. If we are successful, our remuneration is covered by the relevant insurer. The insurance premium remains the same whether you take out a policy directly with the insurer or through ASN. However, we also offer impartial, professional advice and personal support in English, Swiss German, German, French or Italian. What’s more, as an ASN customer, you will receive priority treatment from insurers. ASN’s advice and support continues after you take out a policy, for example when dealing with claims.

1. Comprehensive needs analysis: We take the time to understand your individual circumstances and needs. If you’re considering cancelling or suspending your Swiss health insurance, we’re here to advise you — including planning for a potential return to Switzerland in the future.
2. Assessment of your situation: We collect all relevant information in order to find suitable solutions.
3. Individual Policy overview: You will receive a clear comparison of suitable options so that you can make an informed decision.
4. Application and health check: We guide you through the entire application process — including help with completing forms and answering health related questions — to ensure everything is handled smoothly and accurately.
5. Policy issuance and support in the event of a claim: Once you sign the contract with the insurer, your coverage begins. At ASN, our commitment doesn’t stop there — we’re here to answer your questions and manage the entire claims process on your behalf, ensuring everything runs smoothly and efficiently.

ASN is an independent broker we are committed to building long-term partnerships over quick deals. To this end, we work with selected insurers who adhere to the same quality standards and a similar renumeration model. This enables us to offer unbiased recommendations tailored to your individual needs.

We remain your point of contact even after the contract has been concluded. If you have any questions or in the event of a claim, we will handle all communications with the insurer and ensure that your claim is processed quickly and efficiently. Thanks to our professional preparation of documents and priority service agreements from numerous providers, your questions and requests are resolved with exceptional speed and care.

There are usually two options:

1. Direct Billing at Partner Facilities:

You can receive treatment at one of your insurer’s partner clinics or hospitals or obtain a prescription at an affiliated pharmacy. In this case, simply present your insurance details, and the insurer will take care of the billing directly — reducing out-of-pocket expenses and administrative hassle. This means you do not have to pay in advance and there is no additional administrative work for you. This also applies if you need a guarantee of payment (GoP) for more expensive treatment or medication.

We at ASN are here for you and will be happy to organise direct billing or the guarantee of payment. Please call us if you have any questions or need assistance.

2. Reimbursement for Out of Network services:If you go to a doctor’s surgery, clinic or pharmacy that is not part of the insurer’s partner network. In this case, you pay the bill yourself first, i.e. you pay in advance. Then you submit the bill and receive a refund for the services covered.

The easiest way to do this is to send the documents to us: we will prepare everything neatly and you will benefit from priority status with numerous insurers. This ensures that you submit the correct documents and your refund is processed quickly and smoothly. If you require a guarantee of payment (GoP), we will be happy to assist you.