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CSS Insurance

Insurance for Swiss expatriates (IHP)

When you decide to move abroad from Switzerland temporarily or permanently, you need good insurance. Your Swiss insurance cover lapses when you move outside the country, in accordance with Switzerland’s Health Insurance Act (KVG).

With the International Health Plan, you can enjoy complete peace of mind anywhere in the world, at any time: whether at home, on holiday or travelling on business, in your chosen country of residence or elsewhere.

Our product for you: International Health Plan (IHP)

Benefits of International Health Plan

  • Worldwide security against illness and accident
  • Insurance cover upon returning to Switzerland
  • Cover for rescue and recovery costs
  • Advances for lawyer's fees and bail if you are threatened with imprisonment
  • In an emergency, you can contact the CSS telemedicine centre 24/7

Premiums & discounts

Premiums depend on the country in which you live, your age, and what deductible you choose. The policyholder and the person(s) to be insured must have their legal place of residence in Switzerland at the time the insurance is taken out.

Further details about International Health Plan

The Insurance for Swiss Expatriates provides comprehensive insurance cover worldwide in the event of illness, accident and maternity for Swiss citizens now permanently residing abroad.

  • Up to CHF 100,000 per insured person and calendar year for outpatient treatment from officially recognised general practitioners, specialists, chiropractors and osteopaths
  • Up to CHF 1,000,000 for hospitalisation in officially regulated and state-recognised hospitals
  • When you return to Switzerland, we guarantee you insurance cover, regardless of your state of health. Upon request, this may encompass mandatory healthcare insurance in combination with the myFlex Balance Outpatient Insurance and myFlex Balance Hospitalisation Insurance supplementary insurance products.
  • Client portal myCSS & myCSS app
  • Free medical advice - 24/7

Do you have any questions?

Our client specialists will be happy to answer your questions in person.