Do I need travel insurance for Switzerland?

Home to much of the Alps, as well as Lake Geneva and the financial center of Zurich, Switzerland is a hub for both business and tourism - especially for the wealthy – and the perfect place to combine business with a little pleasure. Switzerland is a particular haven for all winter sports, with some of the best and most luxurious ski resorts in Europe - some of which, such as the beautiful Wengen, are among the oldest in the world. There’s still plenty to do in summer, however, thanks to popular hiking trails and Lake Geneva - whose Eastern end is also home to the Montreux Jazz Festival, one of the most storied music events in the world.

Although Switzerland is not in the European Union, it is part of the Schengen Area of borderless travel. AXA’s Schengen travel insurance offers extensive protection for those traveling to Switzerland - as it can cover medical expenses up to €100,000 in Switzerland and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application.

What does AXA Schengen travel insurance for Switzerland cover?

Starting at around $33 per week of your trip, our Europe Travel insurance covers:

● Up to €100,000 coverage in medical expenses

● Medical repatriation & transport

● 24/7 medical assistance in English or French in case of urgency

● Up to 180 days of coverage

● All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)

● Insurance certificate issued immediately and approved by the embassies

● No age limit

● Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Switzerland?

Travel insurance is mandatory if you need a Schengen Visa for Switzerland. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus?

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection.

Will AXA Schengen travel insurance be accepted with my Swiss visa application?

AXA have been leading experts in delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa for more than 10 years. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application - it’s that easy! Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Swiss Schengen visa?

To obtain a Schengen Visa to Switzerland your insurance must meet the following criteria:

- Minimum coverage for at least €30,000 in medical expenses

- It should cover all member states of the Schengen Area

- It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a Schengen Visa to visit Switzerland - can I still purchase your insurance to cover my possible health expenses?

Schengen travel insurance is not mandatory for some travelers, but that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. Particularly if you’re taking on some of Switzerland’s Alpine pursuits!

What are the main advantages of AXA Schengen insurance?

1. Compliant with European requirements for Schengen Visa. 10 years of existence

2. Immediate coverage. Your insurance covers you from the first day you need it

3. No age restriction, zero deductible

4. No price variation because of nationality or age

5. Refund if your Schengen Visa application is denied.

Why should you trust us?

● Medical files processed by AXA Schengen in 2021: 2292

● Medical calls processed by our agents in 2021: 3845

What insurance plans are there to consider?

  Coverage duration Max.
Coverage
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden,Switzerland, United Kingdom, Bulgaria, Croatia, Cyprus, Ireland, Romania
 
30€ per week
(approx. US$ 33)
 
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 298€ per year
approx. US$ 320)
Low Cost Up to 180 days  €30,000
Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
 

20€ per week
(approx. US$ 22)

What should I do if I am injured or ill while in Switzerland?

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

● The number of your policy, which begins with “SCH”.

● The address and telephone number at which you can be reached and the details of the people that can be contacted locally.

● The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Switzerland?

Security: There is a low rate of crime in Switzerland. However, you should take sensible precautions to avoid mugging, bag-snatching, and pickpocketing and be particularly vigilant at airports, railway stations, and crowded public gatherings. Do not leave your valuables unattended.

Opening hours: Shops are generally open from 9 am to 6.30 pm on weekdays and Saturdays, but the majority are closed on Sundays.

Public transport: Switzerland has one of the most comprehensive public transport systems in the world, incorporating trains, buses, boats, lake steamers, funiculars, and even cable cars. Trains in particular are a popular, convenient, and cheap mode of travel.

Driving license: If you live in Switzerland, you may drive with a foreign license for 12 months. After that, you need a Swiss license.

Restaurants: Lunch is usually served between noon and 2 pm, and even a little earlier at some restaurants. Dinner is usually served from 6 pm to 9.30 pm.

Visa: Although many countries have visa-free travel with Switzerland and the Schengen Area, if you think you do need a visa to Switzerland you can find out more, here.

Do I need to declare existing medical conditions to get travel insurance?

Yes you do and AXA has made it easy for you to do so by answering a few quick and confidential questions when making your application- to ensure you are covered.

Will my travel insurance fees be refunded if my visa is refused?

Yes. All you have to do is answer a few quick and confidential questions when making your application with AXA.

Will my insurance cover me for multiple trips to Switzerland?

This will depend on the type of insurance you buy - our low cost or Europe Travel insurance will cover you for trips within the Schengen Area for up to 90 days. If you are planning multiple trips over the course of a year- you may be better off with our annual Multi Trip policy.