Hello guys, I am in the process of finding a health insuance company since I work and live in Geneva. I have been trying to know if it would be "legal" to get an international health insuarnce company "such as CIGNA"to cover me in Switzerland. Is that okay? accepeted and common in Switzerland? or do I have to go with a Swiss agency?
Thank you all,
Best,
C.
Hello guys, I am in the process of finding a health insuance company since I work and live in Geneva. I have been trying to know if it would be "legal" to get an international health insuarnce company "such as CIGNA"to cover me in Switzerland. Is that okay? accepeted and common in Switzerland? or do I have to go with a Swiss agency?
Thank you all,
Best,
C.
To avoid issues with the authorities, it is generally preferable to have a Swiss agency that directly corresponds to the basic LaMal insurance plus any complementary insurance you choose. The reason is that you can have a hard time proving your foreign plan is at least equivalent to the Swiss insurance, as they will not specifically have a “LaMal” choice.
Having said that, specifically CIGNA have lots of experience with worldwide insurance and they may be able to offer you a package for Switzerland.
Some years back I managed to get approval for a private insurance from Britain, but only for a year with request to change to a Swiss insurance after that. In detail, the issue was that the plan not have fully covered for HIV-related treatment. There were also some restrictions on dialysis for kidney failure. So on at least two points my insurance fell short of LaMal.
The Swiss LaMal insurance is very basic and objectively insufficient for example on dental care, but they are quite strong on things that are a question of life and death. On this point, you will often need “premium” coverage from an international provider to get equal.
So if you are looking to fulfill Swiss requirements at the lowest cost, as Swiss provider will likely be best. You can get cheaper deals by promising to always call a hotline first before going to the doctor, or by assigning a GP you will always visit first. These things in combination can get you 20% off.
To avoid issues with the authorities, it is generally preferable to have a Swiss agency that directly corresponds to the basic LaMal insurance plus any complementary insurance you choose. The reason is that you can have a hard time proving your foreign plan is at least equivalent to the Swiss insurance, as they will not specifically have a “LaMal” choice.
Having said that, specifically CIGNA have lots of experience with worldwide insurance and they may be able to offer you a package for Switzerland.
Some years back I managed to get approval for a private insurance from Britain, but only for a year with request to change to a Swiss insurance after that. In detail, the issue was that the plan not have fully covered for HIV-related treatment. There were also some restrictions on dialysis for kidney failure. So on at least two points my insurance fell short of LaMal.
The Swiss LaMal insurance is very basic and objectively insufficient for example on dental care, but they are quite strong on things that are a question of life and death. On this point, you will often need “premium” coverage from an international provider to get equal.
So if you are looking to fulfill Swiss requirements at the lowest cost, as Swiss provider will likely be best. You can get cheaper deals by promising to always call a hotline first before going to the doctor, or by assigning a GP you will always visit first. These things in combination can get you 20% off.
Thank you so much! this is super helpful. I guess you are right on going safe :)
Thank you so much! this is super helpful. I guess you are right on going safe :)
Dear Cherine,
I can help you out finding the best solution in terms of international and/or local insurance. We can advise you as well of course.
If you wish, we can make an offer for you. Our company is specialist in finding you the best solution depending on your needs and on your budget. We work closely with the best health insurances all over the word since 23 years.
Please contact me in my mobile phone : 079 533 76 76 at your conveniance.
I am looking forward to hearing from you soon.
With my kind regards,
Victoria
Dear Cherine,
I can help you out finding the best solution in terms of international and/or local insurance. We can advise you as well of course.
If you wish, we can make an offer for you. Our company is specialist in finding you the best solution depending on your needs and on your budget. We work closely with the best health insurances all over the word since 23 years.
Please contact me in my mobile phone : 079 533 76 76 at your conveniance.
I am looking forward to hearing from you soon.
With my kind regards,
Victoria
Dear Cherine,
Please feel free to have a look at our website: WINHEALTH GROUP SA.
Have a great day.
Cheers,
Victoria
Dear Cherine,
Please feel free to have a look at our website: WINHEALTH GROUP SA.
Have a great day.
Cheers,
Victoria
