500'000+ Schengen Visas are issued each year for foreign guests, tourists, and professionals visiting Switzerland.
To obtain a visa for a short stay in Switzerland, as well as in the Schengen area, you must provide proof of sufficient insurance coverage for your entire stay.
Welcome.ch offers the required coverage at an excellent price and is widely accepted by embassies and consulates around the world.
Medical costs in Switzerland are particularly pricey and are among the most expensive in the world.
Your Schengen visa insurance covers emergency medical costs during your stay in Switzerland up to a maximum of CHF 50,000 in case of illness or accident.
The insurance benefits include the costs of outpatient and inpatient treatment, consultations with general practitioners or specialists as well as prescribed medication.
You can change your address by logging into your customer account or using MySwisscare app on iOS or Android.
If you are in need of medical treatment, it is important that the treatment is undertaken by a doctor whose certification is officially recognized in the country you receive your treatment. Depending on the insurance coverage you have chosen, certain exclusions may be applicable. We recommend consulting the General Insurance Conditions. If something remains unclear, we suggest asking questions concerning reimbursement and claims directly to the concerned claims service. Outpatient treatments (meaning you don’t have an overnight stay in a medical facility) generally have to be paid in advance. Then you can proceed to submit your claim to the claims service via email, via your customer account or through the iOS / Android app.
In the case of hospital admission for inpatient treatment (meaning an overnight stay), you can present your digital insurance card saved on your MySwisscare account or on the iOS or Android app. If the inpatient facility requires further information, you can simply click or tap share - and enter the email address given by the hospital. They will then receive the complete insurance policy with all the details. Most of the time, inpatient treatments will be billed directly to the concerned insurer, however, they may request a security deposit.
Dentists are usually not covered unless there is an accident. Should a plan provide coverage for dental treatments this will be stated in the General Insurance Conditions (GIC’s and the benefits list).
The insurance deductible is a fixed sum that is at the expense of the insured in the case of a claim covered by the chosen insurance policy. The General Insurance Conditions define the amount and the scope of application.
The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a specific treatment or for a specific insurance cover. Not all insurance products are subject to a deductible.
The insurance deductible is also stated on the insurance policy.
Please note that coverage is only provided for the benefits stated in the General Insurance Conditions. Sometimes exclusions are also applicable and they vary depending on the insurance product. It is recommended to verify the coverage of the chosen product in advance. In the case of outpatient treatment (no overnight stay at a medical facility), the insured always has to pay for the medical treatments (doctor’s, pharmacy, specialists, hospital outpatient treatments) in advance.
To ensure you are refunded quickly, we recommend following the claim procedure via your customer account or by using the MySwissare iOS or Android App.
How long does it take for a refund to be issued?
Once the concerned claims service has received all required documentation the insurer will initiate the refund procedure. In most instances, a refund is issued within 30 days of submission of the complete documentation. During peak seasons (for example December) it is possible that a refund would take longer. If within 45 days you have not been reimbursed by the insurer, we recommend that you contact them directly via email or our contact form.