International health insurance for persons without a permanent residence

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.

Whether you are on sabbatical, a perpetual traveller or sailing the world’s oceans, you have no fixed abode – the world is your home. Nevertheless, you want to have the best possible medical cover.

International health insurance brokered by ASN offers you Swiss-quality protection wherever you are. You benefit from reliable care, digital processing and advice in your language – no matter where you are.

Request a non-binding quote now

Why should people without a permanent residence take out international health insurance?

Those who are permanently on the move need flexible and comprehensive cover to protect themselves against illness and accidents – regardless of their current location or place of residence.

The problem is that: local insurance companies usually require a fixed address. As one of the very few providers in the world, ASN can arrange international health insurance for you even if you do not have a fixed place of residence. This allows you to remain as flexible as possible while still being optimally protected.

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. 4

International health insurance benefits for people without a fixed address

The solution provided by ASN offers a comprehensive package of benefits:

  • Outpatient and inpatient treatment in the event of illness or accident: access to practices, clinics and hospitals worldwide or regionally, including specialist centres and obtaining second opinions
  • Medication and therapies: provision of prescribed medication, medical aids and therapeutic measures
  • Repatriation and evacuation: medically necessary repatriation to specialised centres or to the home country, as well as evacuation in crisis situations
  • Maximum flexibility: Core module for outpatient and inpatient services, optionally expandable, for example to include dental and eye care or maternity benefits
  • 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.
  • Digital services – as flexible as your life: Policy conclusion, administration and claims reporting can be done completely remotely (by telephone and digitally)
Request a non-binding quote now
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. 1

Your advantages with ASN

With ASN, you benefit from services specially tailored to perpetual travellers and expats without a permanent residence:

  • Location-independent protection:

    You are covered regionally or worldwide, regardless of your current location.

  • 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

    Flexible adjustment:

    You can flexibly extend your policy, change the scope of coverage or add additional modules – ASN will advise you on how to optimally tailor your insurance to your current needs.

  • 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 have access to leading clinics and practices in all possible countries – including so that you can (continue to) receive certain treatments in your home country.

  • 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. 9

    Exclusive conditions:

    Thanks to our exclusive partnership, you benefit from more attractive conditions and priority support from your insurer.

  • 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. 3

    Smooth communication and support:

    ASN is familiar with the healthcare system in your home country and in the regions you are travelling to. This enables us to handle any claims competently on your behalf and always provide you with the best possible advice – in your language, of course (English, French, Swiss German/German or Italian).

INTERNATIONAL HEALTH INSURANCE

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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

“Thanks to ASN, even people without a permanent residence are covered worldwide: flexible, reliable, secure.” – Giovanni Bretti, Head Private Clients ASN

Enjoy worldwide freedom without compromising on your health insurance. For peace of mind, no matter where you are.
Request a non-binding quote now

Frequently asked questions about international health insurance for people without a fixed address:

  • How does international health insurance work without a fixed address?

    ASN provides you with a policy that offers protection regardless of your place of residence. You are covered worldwide or regionally, depending on your needs, have a free choice of clinics, doctors, specialists, etc., and can be medically evacuated in an emergency.

  • Does the insurance really cover all countries?

    Depending on the tariff you choose, you will receive regional or worldwide cover. Perhaps you are only travelling in Europe or Asia? Or do you need worldwide cover, excluding or including the USA? ASN will advise you on the best solution for your travel and life plans. And if these change, we will simply adjust your policy flexibly.

  • Can I adjust or extend the policy while travelling?

    Yes, depending on the selected plan, you can flexibly extend your policy, expand it, change its scope and/or add additional modules. ASN will assist you in this process and ensure that you have the cover you need anytime, anywhere.

  • Can I insure my family as well?

    Yes, we will be happy to check whether your partner and/or children can be included in the policy or which separate solution makes the most sense. You can find more information on our page on family insurance for abroad. Please feel free to contact us personally if you have any questions.

  • How does the process of taking out international insurance work for people without a place of residence?

    1. Comprehensive needs analysis: We clarify your living circumstances and current and future needs – especially with regard to your travel and life plans. We are also happy to advise you on cancelling or suspending your health insurance in your home country.
      This is particularly important if you may wish to return at a later date.
    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.
    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 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.