International Health Insurance for Individuals

International Health Insurance secures worldwide free choice of doctors and hospitals, the availability of comprehensive, best-in-class medical services across borders and thus global flexibility. Yet even those who have no intention to be abroad may be well advised to choose an international plan over a local health insurance due to its greater flexibility and cover.

What our clients say

Suited for Every Situation

Global Citizen

If you have several homes or travel frequently you need an equally flexible health and accident insurance, independent of your residence or your nationality. A worldwide free choice of doctors and hospitals requires an International Health Insurance with unlimited cover and lifelong renewal guarantee. We are pleased to find the best possible cover for you and look forward to offering you our advice.


If your employment requires you to move abroad and you need comprehensive international health protection, there are several aspects to consider: A mandatory health insurance in your future country of residence may be required, but continuous insurance cover in your country of origin should also be taken into account. We look forward to offering you our expertise.

Frequent Traveler

For international travel protection outside your home country, we offer a variety of comprehensive travel insurance. If you need an international emergency coverage for a specific travel period, there are ‘single trip’ options available. However, if you wish to cover yourself for all your trips, you are better off with ‘annual travel’ insurance. Our experts are happy to discuss your individual situation.

Moving Abroad

If you are moving abroad, your local health insurance may have to be discontinued for legal reasons. This is why you should inform yourself about an International Health Insurance well in advance – ideally before moving. A lifelong renewal guarantees even when changing your country of residence is essential for permanent and continuous protection. We are pleased to tailor the optimal health insurance for you and your family.

Get More out of International Health Insurance

International Health Insurance

allows you to benefit from:

• Exclusive worldwide medical and accident insurance
• Free choice of doctors and hospitals, worldwide
• Access to the best and most advanced medical treatments
• No risk of exclusion of existing pre-conditions when moving to another country
• Private ward handling, worldwide
• Multilingual support 24/7
• Emergency assistance including evacuation and repatriation


The SIP Medical Family Office

adds further services at no cost:

• Single point of contact for all of your health insurance needs
• Independant advice on finding the right insurance plan for your budget and needs among dozens of options
• Worldwide assistance on chosing the best clinics and specialists for your treatments
• Hands-off claims service – send us your invoices, we get you reimbursed
• Save time and energy as we take over all administrative burden when dealing with medical providers & insurance companies


Best Possible Health Protection for You and Your Family

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We Are the Leading Experts in International Health Insurance and Health Management - Since 1997.

The SIP Medical Family Office® is a global leader in independent consulting for international medical insurance and health management, based in Zurich.

For over 20 years, individuals, families and companies have been relying on our expertise and experience.

Frequently Asked Questions (FAQ)

Our health insurance consultation comes at no additional cost for you. We receive a commission from the insurance company for supporting you as a client. Your premium remains the same compared to directly contracting with the insurance company.

Most residents of developed countries are required by law to hold mandatory health insurance or are subject to a national health scheme. An International Health Insurance is a supplementary health insurance, and never replaces compulsory national health insurance.

The premium for an International Health Insurance depends mainly on your age, nationality and country of residence. Depending on your health condition, additional loadings may apply. We will tailor your International Health Insurance exactly to your needs to avoid unnecessary high premium payments. Coverage starts from a minimum annual premium of approximately $5’000.

Yes, with an International Health Insurance you are free to decide which specialist and/or doctor around the globe you receive consultation or treatment from. Treatment for some specific diseases (and the respective experts) are only available in certain areas of the world. In such cases it is key to be financially covered worldwide because of the risk of extremely high costs. Swiss Insurance Partners will assist you in finding the best specialists for your treatment

The SIP Medical Family Office® works with all major International Health Insurance providers around the globe and has over 20 years of experience in consulting you to choose the right insurer for your specific situation. In addition to that we help you in the interaction with the medical institution, doctor and the insurance company before, during and after your treatment. We organize a “Guarantee of payment” from the insurer and make sure your money is reimbursed.

International Health Insurance is generally designed for individuals which do not reside in their country of nationality. Some solutions can be made available also for individuals that do fulfill this requirement. Contact us to discuss your situation and we will find the best solution for your individual case.

Because healthcare costs in the USA are extremely high, some insurers offer the option to purchase International Health Insurance excluding the USA. If you exclude it from your cover your premium will be reduced, and you will only be eligible for emergency, but not elective, treatment in the USA. Important to know: Some treatments and medications are only available in the USA.

Already existing medical conditions must be assessed case by case. It further depends on whether they are currently under treatment or not. Discussing your case with various potential insurers, Swiss Insurance Partners always tries to find the option that helps you the most. However, severe pre-existing conditions can result in being rejected by an insurance company.

Do you have additional questions?

If you need any further information, contact us and one of our insurance specialists will reach out to you as soon as possible. 

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