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WORLD travel insurance: Global cover in emergencies

WORLD travel insurance offers you peace of mind at an affordable price, wherever you are in the world. Especially when travelling abroad, well-planned healthcare and accident cover is very important – sometimes even vitally important.

Emergency treatments, transport and rescue, search and recovery operations, repatriation, and the reimbursement of visiting and return travel costs: WORLD travel insurance covers all this and more. Our Emergency Call Centre is available round the clock on +41 58 340 16 11. It can organise local medical treatment, approve costs if required and deal with all the necessary formalities.

WORLD travel insurance offers global coverage in the event of medical emergencies, so you can enjoy your holidays with peace of mind.

Insurance benefits

With WORLD travel insurance, you receive the following insurance benefits in addition to those provided under statutory basic insurance:

Costs of medical treatment 100% of excess costs

Emergency treatment abroad (outpatient)

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For outpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive all of the costs that exceed the cover provided by basic insurance.

Conditions:

  • The illness is a new condition (pre-existing complaints are excluded).
  • You arrange for our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

In EU/EFTA countries, basic insurance covers the costs in accordance with the social tariff of the respective country.

In other countries, it covers a maximum of twice the cost of the same treatment had it been provided in Switzerland (tariff of the canton of residence). This is nowhere near enough in some countries, such as the US, Canada, Japan and Australia.

Details about basic insurance >

Emergency treatment abroad (inpatient)

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care locally and take care of all the necessary formalities.

For inpatient emergency treatment during a temporary stay abroad of up to 12 months you will receive all of the costs in a general ward that exceed the cover provided by basic insurance.

Conditions:

  • The illness is a new condition (pre-existing complaints are excluded).
  • You arrange for our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

In EU/EFTA countries, basic insurance covers the costs in accordance with the social tariff of the respective country.

In other countries, it covers a maximum of twice the cost of the same treatment had it been provided in Switzerland (tariff of the canton of residence). This is nowhere near enough in some countries, such as the US, Canada, Japan and Australia.

Details about basic insurance >

Transport and rescue abroad 100%

Transport abroad

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

You receive the costs overall for transportation to the nearest suitable hospital.

Conditions:

  • The illness is a new condition (pre-existing conditions are excluded).
  • You allow our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay all costs themselves.

Details about basic insurance >

Rescue abroad

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

You receive the overall costs for transportation abroad to the nearest suitable hospital.

Conditions:

  • The illness is a new condition (pre-existing conditions are excluded).
  • You allow our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay all costs themselves.

Details about basic insurance >

Repatriation 100%

Your health is our top priority – including if you become ill or suffer an accident abroad. Our emergency call centre is available around the clock on +41 43 340 16 11.

They will coordinate medical care at the location and take care of all the necessary formalities.

You receive all of the costs of repatriation to your place of residence or to a hospital in Switzerland.

Should you die while travelling, your surviving relatives will receive the entire cost of transporting your mortal remains.

Conditions:

  • You allow our emergency call centre to handle the organisation at every stage.
  • A doctor authorised by us confirms that your repatriation is a necessity.
  • The illness is a new condition (pre-existing conditions are excluded).
What does basic insurance cover?

Costs are not covered by basic insurance. Patients have to pay for their repatriation themselves. However, this often costs tens of thousands of francs – for example, when a patient needs to be repatriated by air in an ambulance jet.

Details about basic insurance >

Search and rescue CHF 10'000.–

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

You receive up to CHF 10,000 in any one calendar year to cover the costs of search and recovery operations if you have been reported missing or need to be rescued from a physical emergency.

Conditions:

  • The illness is a new condition (pre-existing conditions are excluded).
  • You allow our emergency call centre to handle the organisation at every stage.
What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Travel for visitors Proven costs with limitations

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

If you have to spend more than seven days in a foreign hospital, our emergency call centre will organise and pay for round-trip travel for up to two close friends or relatives (proven costs, up to a maximum of the price of one economy flight or first-class train ticket).

Conditions:

  • You allow our emergency call centre to organise every stage of the visit.
  • The illness is a new condition (pre-existing conditions are excluded).
What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Return journeys 100%

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

If you are required to return home earlier than planned due to one of the following events, you will receive the whole of the additional costs for your return:

  • A close friend or relative accompanying you on the trip has to be transported back to Switzerland due to illness or accident.
  • A close friend or relative in Switzerland becomes seriously ill, is seriously injured or dies.
  • Your property at your place of residence is severely damaged as a result of theft, or damage on account of fire, water or other natural hazards.

If you are a parent and need to be flown back to Switzerland, our emergency call centre will also organise and pay the costs of looking after your minor children who would be required to continue the journey or return home alone.

Conditions:

  • You allow our emergency call centre to handle the organisation at every stage.
  • The illness is a new condition (pre-existing conditions are excluded).
What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Travel costs Proven costs

You can reach the emergency call centre 24 hours a day on +41 43 340 16 11. They will coordinate medical care at the location and take care of all the necessary formalities.

If you have to interrupt or extend a journey due to an insured event, you will receive up to CHF 500 per person for related expenses.

If you have to cut a journey short prematurely due to an insured event, you will receive up to CHF 10,000 per person or CHF 20,000 per family for the unused part of the journey as a proportion of the price of the travel arrangements. However, you will not be reimbursed for unused return travel tickets.

If unforeseen expenses arise in connection with repatriation, you will receive up to CHF 500 towards these additional costs. However, you will not be reimbursed for deductibles, excesses or medications and medical treatments covered by statutory health insurance.

Conditions:

  • You allow our emergency call centre to handle every stage of the organisation.
  • The illness is a new condition (pre-existing complaints are excluded).
What does basic insurance cover?

Costs are not covered by basic insurance.

Details about basic insurance >

Calculate premium / request quote

Select your desired insurance cover. You can then request a quote or conclude the insurance directly online.

Premium calculator

FAQs

Answers to frequently asked questions about WORLD travel insurance:

Why do I need travel insurance?

The cost of medical emergencies abroad can be very high – sometimes much higher than in Switzerland. For example, if you become ill or have an accident in a country with high medical costs, such as the US, Japan, Canada or Australia, the costs covered by your basic insurance will be nowhere near enough. And if you need to return to Switzerland for medical treatment – for example in an ambulance jet – there are usually very high costs involved that basic insurance does not cover.

I already have TOP supplementary insurance. Do I still need travel insurance?

No, with TOP supplementary healthcare insurance, you are sufficiently insured against medical emergencies while travelling abroad. The same is true for both COMPLETA and OMNIA supplementary healthcare insurance.

WORLD travel insurance is therefore mainly useful for those who would like better protection while travelling abroad and do not have supplementary insurance with comprehensive international cover.

Do I have to complete a health declaration to take out this travel insurance?

No, a health declaration is not required to take out WORLD because existing conditions are generally not covered. This means that you cannot make any claims for the cost of treatment for medical conditions or accidents which had already arisen or were known to you before the commencement of the insurance cover or the date on which you booked your travel.

Does WORLD also reimburse cancellation costs if I have to cancel a booking?

No. WORLD travel insurance primarily covers medical emergencies abroad.

However, WORLD does cover the costs of family members visiting you in the event that you are hospitalised abroad for an extended period of time. And if you are unable to make your return flight because your are hospitalised, WORLD will also reimburse you for the cost of rebooking it. You will also receive a contribution towards the additional costs incurred if you must return home from your trip early for certain reasons, for example if a member of your family becomes seriously ill, is injured or dies.

Who can take out this insurance?

You can take out this insurance if you meet the following conditions:

  • You have your official place of residence in Switzerland.
  • You are under the age of 65 when you take out the policy.
  • You already have basic insurance with a Helsana Group health insurer (Helsana or Progrès) or apply for this at the same time as you apply for WORLD.
How and when can I terminate the insurance?
  • The minimum term is one year.
  • The contract is automatically renewed each year on the expiry date for a further year.
  • You can terminate the policy on 31 December of each year, subject to three months' notice.
  • If the premium is adjusted, a shortened notice period of one month applies.

Details about termination >

Is there a waiting period?

The waiting period is the period between the date on which the insurance cover under your policy begins and the date from which you can claim benefits.

  • For maternity benefits, there is a waiting period of 365 days. That means you cannot claim these benefits before the end of the first insurance year.
  • However, you are covered from the start of insurance for benefits paid as a result of illness or accident.

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