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Travel insurance for Switzerland in 2022

One of your main concerns when planning a trip to this European destination will be if you need to have travel insurance for Switzerland. Unless you are a European citizen, you won't have medical coverage in Switzerland. It is highly recommended to purchase the best travel insurance prior to traveling to Switzerland as healthcare isn't affordable.

In this article I will tell you all the reasons why I think it is better to purchase health insurance for your trip to Switzerland. I anticipate that one of the reasons is the very high prices of the destination. Finally, I will tell you which insurance company I always use and recommend.

Table of contents

The best travel insurance for Switzerland

Ready to discover why you should travel with international health insurance to Switzerland? Let’s start!

Why purchase travel insurance

1 . We are talking about Switzerland, one of the most expensive countries in the world. If you run into any health problems, you will have to pay the full amount for any kind of medical attention. If you need serious medical attention, you may have to pay a large amount of money out of pocket.

2. Travel insurance for Switzerland, or any other destination, not only covers medical assistance but also covers other expenses such as damage to luggage, theft, delays in means of transport, legal assistance, etc. If you purchase insurance for your trip to Switzerland, you will not only invest in health but also in other aspects of the trip.

One of the best tips before traveling to Switzerland that I can give you is to purchase travel insurance, regardless of where you are from. As we will see below, traveling with insurance will not greatly increase your trip’s budget. You will be able to count on all the peace of mind in the world.

Healthcare in Switzerland

Health care in Switzerland is one of the best in the world. There is a good network of hospitals and doctors, quality care and no waiting lists. However, it is also one of the most expensive.

Swiss healthcare combines public and private care. In fact, health insurance is mandatory for Swiss citizens. In this way, each person must contribute a monthly premium to the health fund. This amount varies according to the canton, age, sex, benefits covered, etc. They must also make an annual contribution, apart from paying copays.

Some aspects of healthcare are regulated at the federal level, but for the most part, healthcare is the responsibility of the cantons.

Regarding safety in Switzerland, we are talking about a very safe country. Still, like anywhere else in the world, you have to take basic precautions and use common sense.

What is the best health insurance to travel to Switzerland

Now a days, there are several travel insurance companies on the market. Some offer better policies than others, just as some offer more competitive prices while others are more expensive.

After having traveled to different parts of the world in recent years and having tried insurance policies from several insurers, I am very clear about which is the best travel insurance. In my case, I recommend Iati and Heymondo travel insurance.

If you want to know all the reasons why I think Heymondo and is the best travel insurance for Switzerland, or any other destination, you can read my article about this insurance company.

To give you an idea of ​​why I stick with Heymondo, let’s compare the most affordable policies for a 10-day trip to Switzerland by each of the major international health insurance companies:

HeymondoIatiWorld NomadsSafetyWing
Price$58.12$65.50$73.70$15.00 ($250 deductible)
Medical Assistance$250,000$500.000$100,000$250,000
($100,000 for 65+)
Baggage damage$1,700$1,500$1,000$3,000
Tech CoverageOptional
Trip Delays$450$270$500Up to $100 a day.
Civil Liability$60,000$60,000$25,000
Adventure SportsIncludedIncluded
Comparación de seguros para Suiza

As you can see, Heymondo travel insurance is not only one of the most affordable but also the one that offers the value for money. I can also confirm, based on my experience, that they offer a good service if you have to make a claim, as has been my case on several occasions. I must say that if you plan on engaging in adventure sports, I recommend taking a look at Iati travel insurance, they offer comprehensive coverage for the most adventurous souls.

How much does travel insurance for Switzerland cost?

In the following table you can see the rates for Heymondo insurance policies for a trip to Switzerland, depending on the duration of the trip: 5, 7, 10 or 14 days.

Viaje TranquilidadViaje TopViaje PremiumSolo asistencia
5 días14,10 €23,16 €31,26 €11,75 €
7 días17,55 €24,82 €35,35 €14,63 €
10 días22,05 €34,58 €45,11 €18,37 €
14 días25,10 €37,53 €50,11 €20,92 €
Precio seguros médicos para viajar a Suiza

As you can see, the cost of insurance is not very high, which means that, without having to greatly increase the budget for your trip to Switzerland, you will be able to visit the country with all the security in the world that if something happens to you, everyone Expenses related to medical care will be covered by the insurer.

Also, the prices you see in the table do not included my 5% discount on Heymondo. It is applied automatically when entering their website from my blog.

💰 If you make many trips a year, it may be worthwhile to purchase annual travel insurance, which will provide coverage on all your trips during a year. Before purchasing a policy, you should consider whether or not you are interested in having multi-trip travel insurance insurance.

Which Heymondo travel insurance policy do I recommend?

In the following table you can see what each Heymondo insurance policy for Switzerland offers:

Heymondo TopHeymondo PremiumHeymondo Medical
Medical Assistance$250,000$500,000$500,000 €
Early ReturnIncludedIncludedIncluded
Travel Disruption$450$1,500
Tech CoverageOptionalOptional
Trip Cancellation$3,500 $7,000
Adventure SportsOptionalOptional
Personal Liability$60,000$60,000
Cobertura seguros Mondo

As you can see, every policy offers great coverage. Thus, you will have to base your decision on which insurance to choose according to the type of trip and the activities you are going to do.

For example, if you are going to do adventure sports, such as mountain biking or hikes between 3,000 and 5,000 meters of altitude, you will have to choose “Heymondo Top” or “Heymondo Premium”, since they allow you to add coverage for this type of sports.

You will also have to take into account your means of transportation. For example, if you plan on traveling in your own vehicle, you will not need baggage coverage or delay coverage. Therefore, “Heymondo Medical” insurance policy could be sufficient for your trip to Switzerland.

The other insurances policies are not much more expensive and cover tech devices, something ro consider if you are going to travel with your laptop or camera.

In conclusion, I would choose “Heymondo Top” if you are not going to engage in adventure sports or the “Heymondo Premium” with adventure sports coverage if you are going to practice some of the activities covered by this add-on. On the Heymondo’s website you can see what activities are involved.

Things to do in Switzerland

Things to do in Switzerland
travel insurance for switzerland

Switzerland is one of the most beautiful countries in Europe. The country is divided into 26 cantons and can be differentiated between the French part, the German part and the Italian part. All of them have several natural wonders.

During my 7-day trip to Switzerland, I never ceased to be amazed at each of the places we visited. Charming villages, turquoise lakes, snow-capped peaks emerging from green meadows… Switzerland is an amazing country.

I also had the opportunity to visit several Swiss cities. Some of the most beautiful and interesting are Zurich, Geneva, Lucerne, Basel, Lausanne, Lugano and Bern.

Another place that I highly recommend visiting in Switzerland is the Jungfrau Region, whose gateway is Interlaken. From here you can visit incredible places like the Grindelwald valley, the Lauterbrunnen valley and Jungfraujoch (Top of Europe), the highest train station in Europe.

The Matterhorn is another impressive places in the country. You can access the site through Zermatt, where you will have to take a train.

Lake Leman or Lake Geneva, the largest in Western Europe, also draws a lot of attention. Do not miss the beautiful Chillon Castle, located on the banks of the Lake.

Lastly, other touristic towns that you may be interested in visiting are St. Moritz or Gruyères. Not to mention the beautiful Rhine Falls, one of the many works of nature that you will find during your trip.

If you are going to travel to various places in this incredible country, do not miss my Switzerland travel guide.

I hope that this article on the best travel insurance for Switzerland has been very useful for you in planning your trip to Switzerland. If you have any input or question, feel free to leave a comment or contact me by email. Enjoy your trip!

↠ Book free tours and guided visits on Civitatis or GetYourGuide. I always use these platforms to check what organized activities there are at my destination.

↠ To pay with card in foreign currency or withdraw money from ATMs, I always use this card (there are free and paid plans). It works the best!

↠ Traveling with travel insurance to a destination where you don’t have healthcare coverage is a must. Get your insurance 5% cheaper with this link.

↠ If you want to have cellphone data at your destination from the moment you land and don’t want to waste time, there is nothing like this eSIM. Use the code “comeamaviaja” for a 5% discount.

↠ Check out Booking’s offers, a platform I always use, as I always find very good options thanks to its search engine with filters.

↠ For destinations where I need to rent a car, I always check Discover Cars and Auto Europe search engines. I recommend them!

↠ If you still need to buy flights for your trip, there is no better search engine than Skyscanner (although I always recommend booking the flight on the company’s website).

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