Top 9 Insurance Companies in Switzerland for Expats

Choosing the right health insurance provider as an expat in Switzerland can make a major difference in your access to quality care and financial peace of mind. The top international health insurance companies for expats in Switzerland include Cigna, Bupa, Allianz, AXA, William Russell, and IMG. 

Navigating the Swiss and international insurance landscape can be overwhelming, especially when you’re unsure which provider fits your needs best. In this article, we will cover plan options and benefit limits of the most trusted expat insurance companies in Switzerland.

We will introduce you to the top 10 international health insurance companies in Switzerland, their health plans, their insurance benefits, and their annual maximum limits. We’ll also point you in the direction of where you can learn more about each and how to compare their quotes.

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Best International Health Insurance Options for Expats in Switzerland

The top 9 companies that provide international health insurance for expats in Switzerland are:

1. Cigna
2. Bupa
3. Allianz
4. AXA
5. VUMI
6. David Shield/Passport Card
7. GeoBlue
8. William Russell
9. IMG

These providers are not listed in any particular order, rather each offers spectacular coverage packages that allow expats to travel with peace of mind. Let’s explore each company’s offerings in more depth.

1. Cigna Global: Flexible Health Plans for Expats in Switzerland

Cigna Global is a top-tier international health insurance provider for expats living in Switzerland. Their health plans include Silver, Gold, and Platinum coverage level packages. Expats choose Cigna for their flexible plans, affordable and whole health focus, and emphasis on customer service.

Here’s a list of benefits offered by Cigna in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

To help you understand the coverage levels offered by each type of plan, the following chart highlights the annual benefit limit available in each of Cigna’s four plans.

2. Bupa Global: Trusted Coverage with Multiple Plan Options in Switzerland for Expatriates

Bupa offers expats living in Switzerland four health insurance plans to choose from: Major Medical, Select, Premier, and Elite. Bupa has about 80 years of experience providing international medical coverage, making it a highly reliable and experienced option for travelers.

Here’s a list of benefits offered by Bupa in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of Bupa’s expat health insurance plans.

3. Allianz Care: Family-Friendly Expat Insurance Plans in Switzerland

Allianz provides international health insurance for expats in Switzerland. Allianz’s health plans include Care Base, Care Enhanced, and Care Signature. Allianz’s coverage includes family-friendly solutions, an expansive global network, travel security services, and digital tools.

Here’s a list of benefits offered by Allianz in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of Allianz’s global medical insurance plans.

4. AXA: Comprehensive Health Insurance for Swiss Expats

AXA is another phenomenal health insurance provider with 55 years of experience and over 95 million clients. AXA health plans for expatriates living in Switzerland include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans. AXA fulfills 80% of its claims within 48 hours.

Here’s a list of benefits offered by AXA in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of AXA’s expat health insurance plans.

5. VUMI: VIP Medical Coverage for Global Expats in Switzerland

VUMI is a world-renowned health insurance provider for expats worldwide. Their long-term Global Flex VIP plans offer varying levels of coverage across their Basic, Standard, Superior, Ultra, and Total tiers. Switzerland expats will love VUMI’s exclusive medical network.

Here’s a list of benefits offered by VUMI in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of VUMI’s expat health insurance plans.

6. DavidShield/PassportCard: Hassle-Free Healthcare Access for Expats in Switzerland

DavidShield is another leading health insurance provider for international expats, including in Switzerland. DavidShield Global is renowned for their customers being able to get healthcare services without paying out-of-pocket fees or having to submit claim forms.

DavidShield is sometimes also known by their product Passport Card.  

The Passport Card Global Plan Excluding the U.S. is a plan that includes comprehensive coverage like the Relocation Worldwide plan, but it does not provide coverage for treatments offered in the United States.

The Passport Card Relocation Worldwide offers worldwide benefits with inpatient care, emergency evacuation, mental health, maternity and pregnancy care, infant and child care, and even coverage for pre-existing medical conditions.

Here’s a list of benefits offered by DavidShield in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of Passport Card’s international health insurance plans.

7. Blue Cross Blue Shield Global Solutions: U.S. Focused Health Insurance for Expats in Switzerland

Blue Cross Blue Shield Global Solutions is a leading insurance company for U.S. expats living abroad in Switzerland. Their health plans include the Xplorer Essential and Xplorer Premier.

Here’s a list of benefits offered by BCBS that apply in Switzerland (there are separate benefits specific to coverage within the U.S.). Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of Blue Cross Blue Shield Global Solutions’ expat health insurance plans that cater to the needs of U.S. expats abroad.

8. William Russell: Personalized Health Plans for Expats in Switzerland

William Russell is one of the best insurance companies for expats living in Switzerland because they offer plans with extensive benefits, enhanced member services, and diverse insurance products. William Russell’s health insurance plans are Bronze, SilverLite, Silver, and Gold.

Here’s a list of benefits offered by William Russell in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of William Russell’s global medical insurance plans.

9. IMG: Affordable Global Coverage for Expatriates in Switzerland

IMG Global offers worldwide medical insurance for expats in Switzerland and beyond with prescription drug coverage and emergency medical evacuation included in all plans. IMG’s health plans Bronze, Silver, Gold, and Platinum stand out because they have packages for individuals, students, and more.

Here’s a list of benefits offered by IMG in Switzerland. Benefit amounts vary depending on your chosen international health insurance plan.

The next chart shows you the annual benefits limit for each of IMG’s international medical coverage plans.

Why Use a Broker to Buy Health Insurance as an Expat

It is a huge benefit for expats if they secure their insurance through a broker instead of from the insurance company directly. Working with a broker as an intermediary allows expats to get industry-experienced advice from an expert without any of the pressure from a sales team to buy their product.

The reason this works is because brokers work for the insured and their focus is on helping to make you happy with what you get. An insurance agent works for an insurance company and wants to convince you that only their products are sufficient for your needs, even if they don’t work for you.

To learn more about why expats prefer getting insurance through a broker, you can chat with one of our insurance experts online or by calling +852-3113-1331.

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Frequently Asked Questions

Who is the best expat insurance provider in Switzerland?

The best expat health insurance providers in Switzerland are Cigna Global, Allianz Care, AXA International, Bupa Global, and William Russell. When deciding who is the right provider for your unique situation, you must consider your coverage needs, budget, provider network, and plan flexibility.

How much is health insurance in Switzerland for expats?

Health insurance in Switzerland for expats typically ranges from USD $330–$900 per month, depending on factors like age, coverage level, and chosen deductible. Basic mandatory health insurance averages around USD $330–$560, while private insurance with additional benefits can be more expensive.

What country has the best expat health insurance in the world?

Thailand has the cheapest average health insurance in the world according to Pacific Prime’s Cost of International Health Insurance Report. Thailand’s average cost for individuals in 2022 was USD $3,594 annually, compared to the U.S. which ranks as the most expensive in the world at USD $9,817.

Can expats get health insurance for pre-existing conditions in Switzerland?

Many providers, like Cigna Global and Allianz Care, offer plans that cover pre-existing conditions for expats in Switzerland. Terms and availability may vary. It’s essential to check specific policy details and compare options.

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Conclusion

Expats in Switzerland will want to consider purchasing international health insurance from Cigna, Bupa, Allianz, AXA, April International, VUMI, DavidShield, BCBS, William Russell, and IMG because these are the top insurance companies. 

To talk to a third-party insurance expert who can help you analyze and compare these providers to decide which one is the best for your unique situation, send us a message or call us at +852-3113-1331. Pacific Prime offers impartial advice to expats without pressure to commit.

You are also highly encouraged to begin comparing the top insurance plans today with our free insurance quote generator.

If you found value in this article, you should also read our posts about the top 10 insurance providers in Oman and Turkey.

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Vista Nip

Content Creator at Pacific Prime

Vista is a content creator at Pacific Prime. With over 8 years of writing experience for online platforms on various topics such as luxury lifestyle and digital entertainment. He enjoys diving into complex and otherwise confusing topics, and creating easy-to-understand content for the readers to help them navigate through the topic - something that’s perfectly aligned with Pacific Prime’s motto of ‘simplifying insurance’.

Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.

In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.

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