The Swiss Global Insurance plans are available to expats and locals up to age 65

All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

Swiss Global Insurance plans offer worldwide coverage only.

Yes, Swiss Global Insurance can cover pre-existing medical conditions, which is a benefit not commonly offered by other providers. For a pre-existing condition to be covered, you must declare it when you apply for the plan. There is also a waiting period before coverage for the condition begins.

Coverage for declared pre-existing conditions is subject to limits:

Non-chronic conditions: Covered up to €3,000 per year.

Chronic conditions: Covered up to €3,000 for the lifetime of the policy.

Your insurance is managed on an annual basis. Like most products, health insurance is subject to price changes, usually in the form of premium increases based on a number of factors.
Since this is a for-profit business, changes are based in part on past-year performance (generally premiums minus claims plus overhead) and medical inflation.
All of Tenzing’s international health insurance offerings operate on what is called a community rating basis, which takes into account all the covered individuals in a geographic insurance plan — if the plan did well, premium increases will be low, and vice versa. Any premium or benefit changes apply to everyone in the plan.
Some insurers use an experience rating approach, which looks at whether each individual’s premiums exceeded their claims and makes adjustments accordingly. This approach can result in wildly differing changes.
Your age is also a significant factor in determining your premium — as you grow older, your health generally declines and your risk increases. So annual premium changes also reflect your age. The increase can be larger if the insurer uses age bands: imposing a larger increase at 5-year intervals rather than a smaller increase each year.

Since this is a for-profit business, changes are based in part on past-year performance (generally premiums minus claims plus overhead) and medical inflation.

All of Tenzing’s international health insurance offerings operate on what is called a community rating basis, which takes into account all the covered individuals in a geographic insurance plan — if the plan did well, premium increases will be low, and vice versa. Any premium or benefit changes apply to everyone in the plan.

Some insurers use an experience rating approach, which looks at whether each individual’s premiums exceeded their claims and makes adjustments accordingly. This approach can result in wildly differing changes.

Your age is also a significant factor in determining your premium — as you grow older, your health generally declines and your risk increases. So annual premium changes also reflect your age. The increase can be larger if the insurer uses age bands: imposing a larger increase at 5-year intervals rather than a smaller increase each year.

Swiss Global Insurance doesn’t offer a direct billing network per se, but will usually be able to work with your local provider to set up a Guarantee of Payment (GoP), which has the same effect – payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t need to pay directly.

The network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

Yes, Swiss Global Insurance do accept periodic premium payments

Yes, you can set up a group plan for your company. Swiss Global Insurance offers a variety of group plans and can even tailor a plan to meet your company’s specific needs.