Do You Need A Travel Insurance in Switzerland? See Details

A member of the Schengen Area is Switzerland. As a result, your travel insurance for Switzerland must meet the standards for Schengen Visa insurance, which means that it must provide at least €30,000 (or 29,200 CHF as of October 2022) in coverage for medical care and evacuation.


Although it’s the last thing you want to consider while visiting Switzerland, it’s always best to be ready.

This is where travel insurance for Switzerland comes in.


Choosing a suitable travel insurance plan can be challenging without knowing what to look for.

To better understand Switzerland’s travel insurance, this article will do so.

travel insurance in Switzerland

Where can I purchase travel insurance to Switzerland?

One of these methods is an excellent option for purchasing travel insurance for Switzerland:

Directly from an insurance provider for travel.

You can select a plan, make a payment, and receive an insurance certificate within minutes if these businesses operate online.

Some of the top businesses that provide Schengen insurance that the Swiss Embassy will accept include Europe Assistance and MondialCare.

Your travel companies.

The tour operator might provide a “built-in” insurance policy if you are taking a scheduled tour to Switzerland.

The majority of the time, it ought to satisfy Schengen standards, although they are typically costly and may need to provide more coverage.

At the very least, be sure to properly examine the insurance plan before accepting it if you are tempted.

From brokers of insurance.

These businesses act as a “middleman” between the client and the travel insurance provider.

Plans from various companies are available for you to research and compare.

Remember: You must carefully examine the plans being offered, regardless of the method you use to get your travel insurance, to determine whether they are a good fit for you.

You will always be able to read the specifics of the package you are about to acquire from any reputable provider.

This allows you to determine which actions and how much, and your policy covers other details.

How Can I Show That I Have Travel Insurance When I Request a Visa to Switzerland?

You’ll get an “Insurance Certificate” if you buy Switzerland travel insurance.

You can easily download the Certificate if you purchased it from Europ Assistance or MondialCare, print it out, and include it with the other supporting materials when applying for a visa to Switzerland at a Swiss Embassy or Consulate.

Understanding Switzerland travel restrictions

There are no longer any Covid-19 pandemic restrictions in force in Switzerland. Therefore, mask-wearing and social seclusion are not required.

Even if you test positive for Covid19, there is no necessity that you be isolated.

List of insurances that are mandatory in Switzerland

Switzerland’s mandatory health insurance is extensive and covers a wide range of ailments:

  • Visits to the doctor and all medical procedures.
  • Hospital services.
  • Pharmacological specialties that are listed as medications (around 2,500 different medicines are covered).
  • Preventive health care.
  • A licensed specialist must prescribe and provide complementary medicine, such as acupuncture, traditional Chinese medicine (TCM), pharmacology, classical homeopathy, etc.
  • In cases of severe eye illness, glasses and lenses are required.
  • If they are listed under the category of assistance and appliances.

Do you need a travel insurance in Switzerland?

Does Switzerland require travel insurance?

You must purchase travel insurance if you require a Schengen visa for Switzerland.

Travel insurance is optional but highly advised if you do not need a visa. Medical expenses for visitors can be costly, especially since you will be responsible for paying for any prescribed medications.

Does Switzerland require Covid insurance?

It must provide coverage for medical care and evacuation costs of at least €30,000 (or 29,200 CHF as of October 2022).

It has to be valid throughout the entirety of the Schengen Area.

It must remain in force the entire time you travel to Switzerland or the Schengen Area.

Does Switzerland require health insurance?

In Switzerland, having health insurance is required.

For instance, within three months of birth, infants must be covered.

Adults who have just immigrated to the nation have 90 days to sign up for a Swiss health insurance plan or submit an exemption application.

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What is the penalty for not having health insurance in Switzerland?

For instance, Swiss cantons, comparable to U.S. states, have the authority to impose fines ranging from 30 to 50 percent over the cost of insurance premiums if a citizen of Switzerland refuses to enroll in insurance despite receiving notification from the government.

Things to Bear in Mind When Visiting Switzerland

It’s likely that you already have a to-do list and places on your itinerary for your vacation to Switzerland, but before you leave, bear the following in mind:

  • German, French, Italian, and Romansh are the four official languages.
  • They are all spoken throughout the nation, with German being the most common.
  • Also, commonly understood in English.
  • It won’t be inexpensive.
  • Switzerland is both one of the most expensive and countries with the finest quality of life in the world. Take the bus or train.
  • In addition to being effective, hygienic, and quick, Switzerland’s public transportation system is renowned for its beautiful views, particularly when traveling by rail.
  • If you plan to travel throughout Switzerland, consider getting a Swiss Rail Pass.
  • It will grant you unrestricted access to buses, trains, boats, and other forms of urban public transportation and free admission to more than 500 museums.
  • Although it is relatively inexpensive (an 8-day Swiss Rail Pass costs CHF 418), it can help you save money if you want to visit multiple locations in Switzerland.
  • Recall that Switzerland is not known for its affordability.
  • The Swiss Franc is the used currency (CHF).
  • Unlike most EU nations, it does not use the Euro.
  • Carry some cash with you.
  • If you’re visiting a city, you’ll need it for things like parking, paying for public restrooms, and small stores.

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