Your travel insurance, in your name
For you, your family, your own practice. A Swiss policy, amounts written in black and white, and one number answered at three in the morning — wherever you are.
What you are buying, exactly
Every amount comes from your policy's table of benefits (special conditions 01.26). Nothing rounded, nothing promised without its article.
Emergency medical costs abroad: reimbursement, advance or direct settlement of actual costs, up to CHF/EUR/USD 1,500,000. Medical evacuation and repatriation: unlimited, arranged by the insurer's medical team. The cover comes after your health insurance (art. 4.1) — but « une avance est cependant accordée sur ces prestations » (art. 37.3). Keep your health insurance card on you.
The « private travel » extension is taken out on policy 20 00 479, on annual validity: all your private travel is covered (art. 2.6.1). A trip is covered up to 365 consecutive days; beyond 90 days it falls under the expatriation regime (art. 2.6.2).
Repatriation of remains and assistance with formalities: unlimited. Return of your travel companion: unlimited. A relative's visit to your bedside: up to 5,000. Two psychological consultations. Search and rescue costs: up to 50,000.
Criminal bail advanced up to 100,000 and lawyers' fees up to 50,000 abroad. Lost or stolen means of payment: cash advance up to 10,000. Identity papers: up to 2,000. Luggage: up to 10,000.
One number, answered 24/7 worldwide, backed by a network of 45,000 medical providers. On request the desk gives you a provider from its network and can arrange an appointment (art. 6.9). Medical advice, second opinion, language assistance: by phone, no cap.
990 € for twelve months, no medical questionnaire, three minutes to subscribe. Up to ten named insureds on the same policy — each gets a named, dated certificate in the format visa applications ask for, Schengen included. Beyond ten, that is the company pack.
And for your case
The guarantees above apply to everyone. These matter more depending on why you travel — open yours.
Cancellation or change of trip before departure: up to 1,000 with Pack VIP, up to 20,000 with Pack VIP Extreme.
Trip interruption and early return up to 10,000. Extension up to 2,000. Delayed or cancelled flight: rebooking up to 2,000.
A relative's visit up to 5,000 — provided the local hospital stay exceeds five consecutive days and no adult family member is already there (art. 6.7). Return of your travel companion: unlimited. Two psychological consultations.
Loss, theft, damage or destruction: up to 10,000. Delayed delivery: up to 2,000.
Each person is named on the policy — up to ten insureds, each with their own card, certificate and limit. The price is the same per person: there is no family rate.
The maximum duration of a business trip is 365 consecutive days (art. 2.6.1). Beyond 90 consecutive days away from home, it falls under the expatriation regime (art. 2.6.2).
The « private travel » extension is taken out on policy 20 00 479, on annual validity: all your private travel is covered (art. 2.6.1).
Lost or stolen means of payment: cash advance up to 10,000. Identity and travel papers: up to 2,000. Professional equipment: up to 3,000.
It only covers « les dommages encourus pendant un voyage à l'étranger n'étant pas en relation avec l'activité professionnelle » (art. 27.1). And you must hold your own private liability insurance.
The policy runs twelve months and follows your trips: nothing to declare trip by trip.
Hospitalised in your country of domicile for something that happened abroad? Cover continues up to 40,000, and up to 365 days after the accident or first diagnosis (art. 4.2).
Up to 1,000,000 outside your country of domicile. It complements your own: the insured « s'engage à souscrire une assurance responsabilité civile privée », failing which the insurer may refuse or limit (art. 27.1).
Up to 150,000 for accidental death, the same for permanent disability. Two exclusions to know before signing: cardiovascular accidents and work accidents (art. 25.4).
Medical cover applies « à titre subsidiaire et complémentaire » after your basic or local scheme — « une avance est cependant accordée sur ces prestations » (art. 4.1, art. 37.3).
Beyond 90 consecutive days the trip falls under the expatriation regime: declare it as such (art. 2.6.2).
Named, dated, in the language of your subscription, downloadable immediately after payment and again at any time from your area.
Emergency medical costs outside the country of domicile up to CHF/EUR/USD 1,500,000, unlimited medical evacuation and repatriation, unlimited repatriation of remains.
The policy runs a full year: the certificate does not have to be requested again for each departure.
The decision to accept a file belongs to the consulate, never to us. We issue the official document; we do not speak in its place, and no insurer can.
How it works, end to end
Three moments: what you set up, what happens on the day, and what is left to do afterwards. Open the one you care about.
3 steps
1You subscribe›
Three minutes, no medical questionnaire
First name, last name, date of birth, nationality. No health questionnaire, no waiting period.
The policy runs twelve months. You can name up to ten insureds on the same purchase — each gets their certificate, card and area. The price is the same per person: there is no family rate.
The policy defines who can be insured: « les personnes ayant leur domicile ou leur résidence habituelle en Suisse ou qui résident dans un rayon de 75 km de la frontière suisse ou dans un pays où le preneur d'assurance a une filiale » (art. 2.2).
2You receive your documents›
Certificate and card, on payment
The named, dated certificate is issued immediately after payment, in the format visa applications ask for, Schengen included.
Your insured card carries your name, your reference, the QR a hospital desk scans and the hospitalisation instruction on the back. It goes on your phone's home screen and stays readable offline.
3You pack three things›
And one of them is not ours
Your insured card, the emergency number — and your health insurance card.
The medical cover comes after your basic health cover: the insurer acts « à titre subsidiaire et complémentaire » on what is left after it, and « une avance est cependant accordée sur ces prestations » (art. 4.1, art. 37.3). With no basic cover, or if it is suspended for unpaid premiums, the insurer « peut limiter ou refuser le remboursement ».
3 steps
1You call, before anything else›
One number, 24/7
Before the hospital, before a taxi, before your health insurer. That call is what opens the file.
The policy is explicit: « seules les prestations organisées par ou en accord avec l'Assureur sont prises en charge » (art. 35.7). A repatriation arranged alone can stay entirely at your expense — « le choix final du lieu d'hospitalisation […] relève exclusivement de la décision de l'équipe médicale de l'Assureur » (art. 6.2.2).
2The hospital is settled›
Reimbursement, advance or direct settlement
The table of benefits writes the three modes, and the insurer picks one case by case.
Up to CHF/EUR/USD 1,500,000 of emergency medical costs outside your country of domicile. On request the desk gives you a provider from its network and can arrange the appointment (art. 6.9) — that referral is what changes the bill most.
3You have it certified the same day›
The condition people forget
Without a medical certificate at the time, the event is entirely excluded — not reduced, excluded.
Art. 33 excludes events « qui n'ont pas été constatés par un médecin et justifiés au moyen d'un certificat médical au moment de leur survenance ».
3 steps
1You report›
Thirty days, even if all went well
The insurer's official forms, pre-filled from your policy, signed on screen and sent in one click.
« l'assuré doit avertir l'Assureur et faire sa déclaration de sinistre dans les 30 jours suivant la date du sinistre. Passé ce délai, l'indemnisation peut être réduite, voire refusée » (art. 35.7).
2You attach your health insurer's statement›
What is left is the basis
The cover applies to what is left « à la charge de l'assuré après intervention de sa caisse maladie » (art. 4.1).
A settlement between insurers, never money out of your own pocket at the hospital. Outside Europe that remainder is almost everything.
3You manage your policy›
No call, no email, no justification
Cancellation, reactivation, and every document downloadable again with its reference.
Your area opens with a link received by email, passwordless.
Get covered
Three minutes, secure Stripe payment. The certificate is issued immediately after payment.
Certificate emailed immediately after payment.
FREQUENT TRAVELER
12-month cover, paid once a year.
Frequently asked questions
Doesn't my premium card already cover me?
Partially, and under conditions people usually discover at claim time: far lower caps, limited trip duration, and the requirement to have paid for the trip with the card. Here the cover depends on no payment method, runs twelve months, and evacuation and medical repatriation are unlimited.
Am I covered on holiday, or only for work?
Your private trips are covered: the « private travel » extension is taken out on the policy, on annual validity (art. 2.6.1).
Can I cover my family on the same policy?
Yes, up to ten named insureds. Each gets their own certificate, card and area. The price is the same per person: there is no family rate.
Who settles the hospital?
The insurer — not Maximum, which is the broker. The table of benefits reads « Remboursement, avance ou prise en charge des frais réels »: three modes, and the insurer picks one case by case. What the policy guarantees is that « une avance est cependant accordée sur ces prestations » (art. 37.3). Either way, call the number BEFORE doing anything else.
Who can subscribe?
The policy defines who is insurable: « les personnes ayant leur domicile ou leur résidence habituelle en Suisse ou qui résident dans un rayon de 75 km de la frontière suisse ou dans un pays où le preneur d'assurance a une filiale » (art. 2.2). Check this before subscribing: it decides your eligibility.
What if I do not report straight away?
The deadline is thirty days. « After that, compensation may be reduced, or refused » (art. 35.7). Report even if everything went well.