Guest insurance for Switzerland and for Schengen visas


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Are you planning a trip to Switzerland? Regardless of whether you are traveling to Switzerland for private or business reasons, as a non-EU citizen you may need a Schengen visa and Schengen visa guest insurance for Switzerland. 

Read more on the important information for your trip to Switzerland and Schengen travel health insurance. You will need to consider guest insurance for Switzerland.

If you want to find out which countries, apart from Switzerland, you can travel to with your Schengen guest insurance, then click on the list of all countries that are covered by travel insurance for a Schengen visa Switzerland!

Guest insurance for Switzerland

Who needs guest insurance for Switzerland?

Do you need to apply for a visa to travel to Switzerland?

Do you come from a non-EU country and your country is one of the countries that require a visa? In this case, like over 100 other citizens, you must also apply for a Schengen visa that is valid for the 26 countries of the Schengen zone, including Switzerland. 

For your visa application, on the other hand, you need a mandatory Schengen travel health insurance for foreign guests. Take out Schengen guest insurance for Switzerland for the duration of your trip and enclose the proof of insurance with your visa application. 

Your visa application will only be processed if you have a valid Schengen health insurance for foreign guests.

For your visa application, contact the Swiss embassy or the Swiss consulate in your place of residence. Submit the visa application form there with the complete documents, which also includes travel health insurance for foreigners in Switzerland. Make sure that your travel health insurance meets the criteria of the Schengen Visa Code, i.e. that it is a Schengen visa travel insurance for Switzerland.


You don’t have to apply for a visa to travel to Switzerland?

Are you a non-EU citizen but your country is exempt from the Schengen visa requirement? In this case you do not need a) a visa and b) no compulsory Schengen guest insurance for tourists in Switzerland. 

In order to enjoy your trip to Switzerland worry, it is still a travel insurance sensible decision before leaving complete. Switzerland has many advantages, but it is also “the most expensive country in the world” – ahead of Norway, Iceland and Japan. Medical care is excellent in Switzerland, but it is also one of the most expensive in the world. 

A skiing accident in Zermatt, a fall while hiking through the Swiss Alps or a road accident in Geneva can take you straight to the emergency room. These incidents could ruin you financially without a guest insurance for Switzerland, as you would have to pay all costs for medical care and possible hospital stays out of your own pocket. You will not be reimbursed for the costs and you will not receive any support in this dire situation that nobody wants to experience.

Guest insurance for Switzerland

What do I do if I get injured or sick in Switzerland?

If you need to get paid medical help because you fell ill or an accident happened during your trip to Switzerland or another Schengen country, then call your insurance Schengen hotline directly. You can find the phone number on your insurance policy.

Provide your insurance with the following information:

  • the number of your insurance policy
  • Your contact details (telephone and address), under which you can be reached
  • Contact details of other people on site

Important: If you have had to pay for the treatment, have an invoice made out, which shows all the services provided. You must present the invoice to your insurance so that the amount can be reimbursed to you. 

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Useful information about Switzerland

  • Capital : Bern
  • Official languages : German, French, Italian and Romansh
  • Currency : Swiss Francs / CHF
  • Telephone code : +41
  • Voltage : 230 volts
  • Emergency numbers : Police: 117 | Fire brigade and accident: 118
  • Climate : Alpine temperate. In summer the temperatures are between 18 and 28 ° and in winter between -2 and 7 °. Heavy snowfall, avalanches and landslides can occur in the mountains. When doing activities in the Swiss mountains, pay attention to the current weather forecasts and obtain information from the Swiss Alpine Club.
  • Time : Winter time is UTC + 1 hour, summer time is UTC + 2 hours. The changeover to summer time takes place on the last weekend in March and the changeover to winter time on the last weekend in October.
  • Vaccinations : There are no compulsory vaccinations for entering Switzerland, but make sure that the standard vaccinations for you and your children are up to date.
  • Health : A vaccination against tick-borne early summer meningoencephalitis (TBE) is recommended as a travel vaccination (e.g. for hiking holidays in Switzerland).
  • Risks : Switzerland is one of the safest countries in the world when it comes to crime. In Switzerland, risks primarily relate to sporting activities. In the Swiss mountains there are more and more serious or even fatal accidents every year. In 2018, 207 people died in the Swiss Alps and in the canton of Jura.

How do I get to Switzerland?

By car : Switzerland has a very well developed road network that can even take you to remote areas. In order to be able to drive on the Swiss national roads (motorways and motorways), all motorists need a motorway vignette. The Swiss vignette is valid for 14 months, from December 1 of the previous year to January 31 of the following year (e.g. from December 1, 2020 to January 31, 2022). You can easily order the vignette over the Internet. In 2020 it will cost 40 Swiss francs (around 38 €). 

The alcohol limit in Switzerland is 0.5 and for novice drivers in the first 3 years it is 0.1. In Switzerland, lights must be used all year round, which means that dipped headlights or daytime running lights must also be used during the day.

Attention: The fines in Switzerland are high: you have to pay CHF 200 (about € 188) if you do not have a motorway vignette. Cars registered abroad are specially checked.

By plane : Most international flights land at Zurich, Geneva, Basel and Bern airports.

By train : Switzerland has the densest railway network in the world. There are many direct train connections that connect Switzerland with neighboring countries Germany, Italy, France and Austria. Most of the railway lines are operated by the Swiss Federal Railways (SBB).

By bus : Many bus companies offer international connections to Switzerland at very affordable prices. Take a look at the websites of Flixbus, BlaBlaBus, Omio etc. to find the right bus connection to Switzerland.

Guest insurance for Switzerland

Did you know …

Switzerland has the smallest active army in the world!
The colorful Swiss guard comprises 110 permanent employees. The guard, which you can also see in the Vatican, was recruited for the Pope in the Catholic cantons of Switzerland.

Switzerland was formerly called Helvetia!
Switzerland was called “Helvetia” by Julius Caesar when he defeated the Helvetii Celtic troops who lived between the Alps and the Jura Mountains. Today, many people know Helvetica as a written form.

You will never be 16 kilometers away from a lake in Switzerland!
Switzerland has more than 1500 lakes, which is why you will find a lake almost everywhere in your area. This also explains that 60 percent of the electricity is generated by hydropower.

FAQ: Guest insurance Switzerland

Do you need international health insurance for Switzerland?

Travelers from non-EU countries who need a Schengen visa must take out Schengen guest insurance for Switzerland. All travelers who do not require a visa are advised to take out travel health insurance – but it is not compulsory.

EU and EFTA citizens who are legally insured are generally insured with the European health card for urgently needed doctor visits. Please note, however, that the European Health Insurance does not include repatriation and rescue costs.

By the way: If you live in Switzerland, you must take out Swiss health insurance within a period of three months.

Does the Schengen visa guest insurance for Switzerland cover the costs of mountain rescue?

In Switzerland, the cost of mountain rescue must be borne by the rescued person. A mountain rescue can cost several thousand euros. Make sure you take out insurance with extended protection, which also insures search and rescue costs.

My Schengen visa for Switzerland has been rejected! What about the cost of insurance?

The best Schengen visa insurance providers offer reimbursement of your guest insurance for Switzerland if your visa application has been rejected. Make sure you provide a copy of the official rejection letter.

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