International health insurance for families abroad

If you are moving abroad with your family or travelling for an extended period of time, you want to ensure that everyone, from the youngest to the oldest, is fully covered.

International health insurance brokered by ASN offers your family Swiss-quality protection that is valid worldwide.

Request a non-binding family quote now

Why should my family take out international health insurance for long-term stays abroad?

When moving to another country or travelling for at least a year, sooner or later the question of having the right health insurance arises – and above all the question is: “Should we take out local insurance or an international solution?”

The problem is that local insurance policies often only offer limited cover and are usually only valid in the country in question. This is not sufficient, especially if you have special needs, travel frequently or want to undergo certain treatments in your home country.

In addition, local solutions do not offer Swiss-quality protection: the healthcare system in the destination country may be inadequate and important services may be lacking. It may also be the case that you do not qualify take out insurance locally (e.g. due to your age, pre-existing conditions or an upcoming pregnancy). Language barriers are also often a challenge during an emergency.

The international health insurance solutions provided by ASN offer your family optimal Swiss-quality protection – regionally or worldwide, but in the Swiss national languages or English.

 

Overview of international health insurance benefits for families

  • Outpatient and inpatient treatment due to illness or accident: visits to the doctor, specialist consultations, hospital and clinic stays (depending on the plan, regionally or worldwide)
  • Medication and therapies: supply of medicines, prescribed aids and therapeutic measures
  • Pregnancy and maternity: care by medical staff and midwives during pregnancy, childbirth and the postnatal period
  • Coverage for newborns without a health check: depending on the tariff, newborns are included in the insurance without a health check after a specified coverage period for one or both parents.
  • Children and adolescents: visits to paediatricians and specialists, vaccinations, orthodontic treatment and much more
  • Dental and eye treatment: optional inclusion for the whole family
  • Rehabilitation and aftercare: for example, physiotherapy, rehabilitation treatments after an accident or illness
  • Emergency transport and evacuation: medically necessary repatriation/evacuation to specialised centres or to the home country

 

Request a non-binding family quote now
Internationale Krankenversicherung Neu - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 3

Your advantages with ASN

ASN offers you several advantages that give you the security you need for you and your family:

  • Impressum - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 8

    30 years of experience and a global network:

    we are familiar with regional characteristics and know exactly which of our partners are particularly strong in meeting specific needs.

  • Impressum - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 6

    Swiss-quality advice in your language:

    No matter where you live, ASN offers you high-quality personal support in English, Swiss German/ German, French or Italian.

  • Internationale Krankenversicherung für Familien im Ausland - Neu - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting.

    Individual product selection:

    We help you find the solution that perfectly suits your needs and your family situation.

  • Internationale Krankenversicherung für Familien im Ausland - Neu - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 2

    Proactive support:

    we think ahead for you – for example, by reminding you in good time to insure your newborn baby.

  • Internationale Krankenversicherung für Familien im Ausland - Neu - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 3

    Renewable for life:

    once you have taken out international health insurance, you can renew it for life.

  • Exclusive partner-conditions:

    Through ASN, you benefit from more attractive premiums, more comprehensive benefits and prioritised support from selected insurers.

  • Impressum - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 7

    Comprehensive support – even after the policy has been taken out:

    ASN remains your point of contact for questions, adjustments or claims. We take care of all the paperwork and communication for you, so you can relax and look after your family.

Auswanderer - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 1

“Our top priority: ensuring that you and your family are well protected.” – Pascal Fanti, Managing Director, ASN

With international health insurance brokered by ASN, you can ensure that your family is optimally protected worldwide.
Request an insurance quote

Frequently asked questions about international health insurance for families

  • We are expecting a baby. Should we take out international health insurance before the birth?

    Yes, it is advisable to insure the mother and child early on. ASN will help you choose the best options for the upcoming birth and maternity benefits.

  • Are children automatically covered by my international health insurance?

    No, but you can easily include children in the insurance application so that they are considered in the quote. In most cases, it is also possible to add another family member to your insurance policy later without any problems.

  • What if my family joins me abroad a little later?

    If you are moving abroad without your family, you should first submit an application for yourself. However, be sure to mention during the consultation that your family is planning to join you – our expert advisors will take your future needs into account when selecting suitable solutions. When the time comes, get in touch with us – we will help you adjust your policy so that your loved ones are fully covered.

  • Are there discounts or sliding scale prices for families?

    Family discounts are available however will depend entirely on the insurer. We will check the options that are right for you and advise where you can get which services at what price – and with what discounts.

  • How does taking out international family insurance work?

    1. Comprehensive needs analysis: We discuss your circumstances and your current and future needs with you. We are also happy to advise you on cancelling or suspending your Swiss health insurance – also with a view to a possible return later.
    2. Assessment of your situation: We ask you for all the relevant information so that we can find suitable solutions.
    3. Individual tariff overview: You will receive a clear comparison of suitable options so that you can make an informed decision.
    4. Application and health check: We will assist you with the application process and answering health questions, especially if you are already expecting a child.
    5. Policy issuance and support in the event of a claim: You sign the contract with the insurer and your insurance begins. At ASN, we are not only there to answer your questions, but also to handle the claims process.

  • We need to make a claim on our insurance abroad. How does the process work?

    There are usually two options:

    1. Direct Billing

    With direct billing, you do not have to pay for the treatment yourself. You can seek treatment at one of your insurer’s partner institutions or have a prescription filled there. You show your digital insurance card or insurance certificate, and the medical institution bills the insurance company directly.

    This means you do not have to pay upfront 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 if you have any questions or need assistance.

    2. Advance payment with reimbursement (“pay & claim”)

    If you visit a doctor’s surgery, clinic or pharmacy outside the insurer’s network, you pay the bill yourself first. You then submit the documents to the insurer and receive a refund for the costs of the covered services.

    The easiest way to do this is through us: you send us the bill and other documents – we check everything, prepare it correctly and use our priority status with many insurers. This ensures that you submit the correct documents and receive your reimbursement more quickly and smoothly. We are also happy to help if you need a guarantee of payment (GoP).

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Home - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting. 12
Home - ASN, Advisory Services Network AG provides world-class international health, life, disability, and loss of income insurance for Private Clients (expatriates, globally mobile professionals, emigrating individuals, HNWIs, families, and travelers) and Group Solutions for Corporate Clients (internationally active companies). All insurance contracts can be serviced by our experienced multilingual support team. ASN also provides Services to Corporate Clients on Corporate Health, local and international Employee benefits, Pooling Set-up and Monitoring, Virtual Pooling and Reporting.