We wanted to know your concerns in the area of health. Now AXA experts answer your ten most frequently asked questions in our blog series "Your questions – Our answers." The first question is: "What does my health insurance pay in case of an emergency abroad?"
Vacation – the best part of the year! But what if, just then, you are ill or have an accident? This is not only unpleasant, but can also quickly become an expensive matter – especially if you aren't properly insured. To prevent any unpleasant surprises in case of an emergency during your travels abroad, there are some things you should know in advance.
Only emergency treatment due to illness or an accident are covered under compulsory basic insurance when you are abroad. Such an emergency exists if the insured can only return to Switzerland after receiving medical treatment locally. Insured persons are advised to contact their health insurer in advance to check if they are covered.
The size of the payment under basic insurance depends on the holiday destination. Travelers requiring emergency medical care within an EU/EFTA country are entitled to the same benefits as the insured residents of the respective country.
In other countries, the costs of medical emergencies are also paid. However, the cost contribution can only be a maximum of twice as much as the same treatment would have cost in your canton of residence. For countries with high health costs such as the USA, Canada, Australia or Japan, twice this amount is often insufficient. The remaining amount then has to be paid by the patient out of their own pocket.
To avoid receiving a horrendous bill following emergency treatment on your vacation, it is worth taking out supplementary insurance before you leave home. AXA offers "Health PLUS" and "Health COMPLET," two supplementary health insurance options that cover the full costs of emergency treatment abroad. In addition, 100% of the costs for rescue and repatriation are covered. Recovery and search costs up to CHF 20,000 per year are also included. With supplementary health insurance, you are on the safe side in an emergency.