International health insurance for retirees abroad

If you would like to spend your retirement abroad, reliable health insurance is particularly important. ASN can provide you with an international solution that guarantees Swiss-quality cover worldwide.

This means you can travel with peace of mind or settle in your favourite country– with comprehensive support in your own language.

Request a non-binding quote now

Why is international health insurance particularly important for retirees?

Long-term medical needs play a central role for retirees: from the treatment of chronic illnesses and planned therapies to future illnesses or accidents, there is a lot to consider.

The problem when you emigrate abroad is that local insurance companies in your destination country often make it difficult for older people to access health insurance or may not offer cover at all. In addition, the cover usually only applies in the respective country and the quality generally cannot compete with Swiss standards.

Another factor that should not be underestimated is that language barriers and cultural differences can make communication difficult and, in serious cases, even influence the success of treatment.

With international health insurance brokered by ASN, you are fully covered: with the quality you are accustomed to and in your own language. Regional and worldwide coverage also ensures that you can travel back to your home country for treatment if you wish.

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. 2

International health insurance benefits at a glance

  • Outpatient and inpatient treatment in the event of illness or accident – regionally or worldwide: doctor’s visits, specialist consultations, clinic and hospital stays; including oncology and specialists for chronic diseases
  • Medicines and therapies: provision of medicines, medical aids and therapeutic measures
  • Pregnancy and maternity: care by medical staff and midwives during pregnancy, childbirth and the postnatal period, including cover for newborns
  • Rehabilitation and care: physiotherapy, inpatient or outpatient rehabilitation measures and nursing services if required
  • Repatriation and evacuation: medically necessary repatriation or evacuation to specialised centres or to the home country
  • Dental and eye treatment (optional inclusion): dental treatment, visual aids and other medical services as required
Request a non-binding quote now
Internationale Krankenversicherung für Rentner 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.

Your advantages with ASN

  • 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

    Lifetime renewable:

    Once accepted, you can continue your international health insurance for life – for maximum security in retirement.

  • Internationale Krankenversicherung für Rentner 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. 1

    Individual solutions for pre-existing conditions:

    Thanks to individual risk assessment, ASN also provides suitable solutions and tariffs for pre-existing conditions (e.g. cancer, cardiovascular disease).

  • Internationale Krankenversicherung für Personen ohne festen Wohnsitz - 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

    Free choice of doctor and hospital:

    You get access to leading practices, clinics and hospitals worldwide. This means that, if you wish, you can continue to receive certain treatments from your trusted specialist in your home country.

  • Exclusive conditions:

    Thanks to our comprehensive network of top insurers worldwide, you can benefit from attractive conditions and priority support from selected partners.

  • 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 contract has been signed:

    ASN remains your point of contact for all questions or adjustments. In the event of a claim, we will be happy to take care of all communication and processing with the insurer for you. This means you don’t have to worry about paperwork and can relax and enjoy your
    retirement.

Post with header Image - 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. 13

“We speak your language.” – Giovanni Bretti, Head of Private Clients at ASN

For many of our customers, it is important to be able to continue communicating in their own language – especially when it comes to important health issues. Not only are we familiar with the system in your home country and destination country, we also advise you in your own language: English, Swiss German/ German, French or Italian. This means you can feel at home when it comes to health matters, even when abroad.
Request a non-binding quote now

Frequently asked questions about international health insurance for pensioners

  • Are there age limits for taking out international health insurance (“long-term international health insurance”) for pensioners?

    Most of the insurance policies we broker have no upper age limit, and the insurance can be renewed for life. However, depending on the policy, special premiums may apply from a certain age (e.g. 55 or 60). Pre-existing conditions may also lead to premium surcharges and/or partial exclusions.

  • Can I be insured despite pre-existing conditions?

    Yes, ASN can usually find a suitable solution, even if you have (chronic) pre-existing conditions. We check individually which insurers and tariffs are suitable and which adjustments or exclusions are necessary.

  • Are rehabilitation or nursing care services also covered in old age?

    Yes, depending on the tariff, rehabilitation, physiotherapy and nursing care are included. ASN will advise you individually so that you receive the right benefits for your situation.

  • Can I also receive treatment in Switzerland?

    Yes, most tarifs allow treatment in Switzerland (or another country of your choice) if desired. In our preliminary discussion, we will clarify in which countries and regions, apart from your new place of residence you would like to receive healthcare services – and ensure that these are included.

  • What if I move again or want to return to Switzerland?

    We will advise you before you take out your insurance policy in case you decide to move to another country or return to Switzerland at some point in the future. If this happens, there are various options available to ensure that you continue to receive seamless cover of the same high quality. We will support you in finding the best solution so that you can enjoy your
    retirement – wherever that may be.

  • What distinguishes ASN from other providers of international health insurance for pensioners?

    ASN is not an insurer, but an independent broker: we offer you solutions from several providers without being tied to specific products. This allows us to advise you independently and broker the insurance policies that best suit your needs.

  • What else should I consider in terms of international health insurance for my new life abroad?

    Please take a look at our page for expats. There you will find further information on international health insurance, such as the process, choosing a provider, the advantages over local insurance companies, etc. If you have any questions, we are also happy to assist you personally.

  • How does taking out international family insurance work?

    1. Comprehensive needs analysis: We clarify your living circumstances as well as your current and future needs. We are also happy to advise you on cancelling or suspending your Swiss health insurance policies – 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. Personalised 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 the health questions, especially if you have pre-existing conditions or special needs.
    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 insurance partner 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 invoice 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 faster and more smoothly. If you need a guarantee of payment (GoP), we will be happy to help you with that too.

  • 0

    Languages

  • 0

    Business partner

  • 0

    Countries

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.