Guest insurance for Switzerland

Guest insurance – our recommendation for people visiting you from abroad

Accident? Illness? Any people visiting you from abroad will want to enjoy their stay in Switzerland with peace of mind. In order to avoid substantial financial consequences, it makes sense to take out guest insurance. The insurance provides medical benefits in the event of an accident or illness.

Treatment costs, medication and transport costs to hospital are covered up to the insured sum indicated. Your guests only need to pay a retention fee of CHF 200 per claim.
If a pair of glasses or another medical aid is damaged in an accident, we cover the costs of the purchase or hire of a replacement.
Your guests can tailor the guest insurance to their own requirements – between 4 and 90 days and between CHF 30,000 and CHF 100,000.
Guest insurance is valid not only in Switzerland but also throughout the entire Schengen area.
Guest insurance provides the requisite cover limit of CHF 50,000, which must be demonstrated when applying for a visa for Switzerland.

Benefits under guest insurance

Will you soon be hosting guests from abroad, or do you need insurance in order to obtain a visa for Switzerland? With Allianz’s guest insurance, you can ensure your visitors do not have to face high healthcare costs if they have an accident or fall ill during their stay in Switzerland. In addition, guest insurance provides the requisite cover of CHF 50,000, which must be demonstrated when applying for a visa.

Medical expenses, assistance, search and recovery costs

Medical benefits

The insurance covers medical benefits in the event of accident or illness, including amongst others:

medical expenses including medication;
hospital stay;
services provided by qualified nursing staff for home nursing;
treatment by state-certified chiropractors;
hire of medical aids;
in the event of an accident, initial purchase of prostheses, glasses, hearing aids, etc.;
repair or replacement of medical aids where they have been damaged during an accident requiring medical treatment;
transport to the nearest suitable hospital for treatment.

Assistance

Guest insurance provides guests with medical assistance that they can access by phone 24 hours a day. The insurance covers the costs of repatriation to the country of origin in the event of a serious accident or death.

Search and recovery costs

Guest insurance covers all costs relating to search and recovery activity up to CHF 10,000.

Insured sums, retention fee and premium

Guest insurance can be taken out for various insured sums and with various terms.

Insured sums: CHF 30,000, CHF 50,000 or CHF 100,000
Term: between 4 and 90 days
Premium: from CHF 32

Guest insurance fulfils the requirement for the issue of a visa

Schengen-area health insurance is mandatory for people applying for a visa in order to visit Switzerland or the Schengen area. Guest insurance enables you to demonstrate that you have the required cover of up to CHF 50,000.

Key information for your guests

Guest insurance covers your guests against financial surprises in Switzerland in the event of illness or accident. Certain characteristics distinguish guest insurance from other types of insurance:

Time of insurance: Guest insurance can be taken up no later than five days after arrival in Switzerland.
Age threshold: Insured persons must not be older than 81 years of age.
Scope: Guest insurance is valid throughout the entire Schengen area – except for the country of residence of the insured person.
No medical examination: No medical examination is required before taking out guest insurance.

The advantages of guest insurance at a glance

Comprehensive cover for guests from abroad against unpleasant financial surprises in the event of an illness or accident
Selectable insured sum and validity period to suit individual needs
Medical assistance over the phone, available to you around the clock
Provides up to CHF 50,000 in cover – necessary for obtaining a Schengen visa
Quick and easy to take out, with no health check required

Frequently asked questions about Allianz guest insurance

Guest insurance is intended primarily for two groups of people:

Anyone who is in Switzerland temporarily – for a holiday, family visit, business trip or to improve their language skills, for example. It covers illness and accident – and the associated costs, which are frequently high – for the whole of the insured person’s stay in Switzerland.
People who need a visa to visit Switzerland (or a country in the Schengen area). Insurance cover of CHF 50,000 per person is needed to obtain a visa.

Individuals can take out guest insurance for their visit to Switzerland. They should note that:

cover cannot exceed 90 days (three months) per visit.
insurance can be taken out no later than five days after arrival in Switzerland.
people over the age of 81 cannot take out guest insurance.

Guest insurance does not cover the following benefits:

known pre-existing illnesses
chronic conditions
treatments scheduled or commenced prior to starting the journey
costs for dental or orthodontic treatment that is not the result of an accident
aviation accidents

Illnesses and accidents that are the result of certain events or circumstances are also excluded. These include, for example:

alcohol or drug abuse
participation in risky activities such as canyoning
participation in civil unrest

There is no retention fee for guest insurance.

You can take out guest insurance on the Allianz website: Allianz Schengen travel insurance.