Reliance Switzerland Travel Insurance | Comprehensive Coverage for Tourists

Q: Do I need travel insurance for Switzerland?

If the traveler is applying for a Switzerland visa, the consular authorities can insist on adequate travel insurance for the visit to Switzerland. Given the fact that one’s domestic Indian health insurance has little coverage in Switzerland, it is very important for Indian travelers to have Reliance travel insurance while in Switzerland.

Q: How do I claim Reliance travel insurance?

You can claim travel insurance by the following ways: 1. Planned hospitalization: Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization. 2. Emergency hospitalization: Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible. 3. Reimbursement Claim: Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.

Reliance Switzerland travel insurance - Key highlights

Plan is available as Standard (50,000 in Euro) and Basic(30,000 Euro travel insurance).

Approved VFS Global plan satisfies Schengen countries mandated by the consulates.

Travelers aged 6 months - 80 years are eligible to buy Schengen plans.

Travelers aged above 80 years please call us at (080)-41101026

Preexisting diseases are covered in case of life threatening only for travelers below 70 years.

Types of travel insurance for Switzerland

When planning a trip to Switzerland, it is essential to explore various international travel insurance options, each tailored to meet specific requirements

Individual Travel Insurance: Best suited for solo travelers, this plan covers medical emergencies, trip cancellations, and baggage-related issues.
Family Travel Insurance: Designed for families traveling together, this policy provides coverage for all family members under one plan.
Student Travel Insurance: Specifically designed for students studying or participating in short-term courses in Switzerland, it covers medical expenses, interruptions in studies, and more.
Senior Citizen Travel Insurance: Designed for older travelers, this insurance addresses age-related medical needs and emergencies.
Adventure Sports Insurance: Ideal for those seeking thrills, this plan covers risks associated with activities such as skiing, hiking, and mountaineering.
Multi-Trip Travel Insurance: Suitable for frequent travelers, this option offers coverage for multiple trips within a designated timeframe.
Group Travel Insurance: Perfect for corporate or group excursions, this plan covers all participants under a single policy.

Why is travel insurance important for Switzerland?

Travel insurance for Switzerland is crucial for various reasons

Requirement for Schengen Visa: As a part of the Schengen Area, travel insurance is a legal necessity for obtaining a Schengen visa. The policy must provide coverage of at least €30,000 for medical emergencies, including hospitalization and repatriation.
Medical Emergencies: Healthcare costs in Switzerland can be high. Travel insurance ensures you are financially safeguarded in the event of illness, injury, or emergency medical care.
Trip Interruptions: Coverage for trip cancellations, delays, or interruptions allows you to recover non-refundable expenses.
Baggage and Passport Issues: Insurance offers compensation for lost or delayed baggage and assistance in the event of a lost passport.
Adventure Activities: Switzerland is renowned for skiing, hiking, and other adventure sports. Travel insurance can cover the risks associated with these activities.
Peace of Mind: It provides financial security, enabling you to enjoy your trip without the stress of unexpected expenses arising due to medical emergencies or travel disruptions.

Is travel insurance required for a Switzerland visa?

Yes, travel insurance is a requirement for securing a visa to Switzerland. As Switzerland is a member of the Schengen Area, travelers applying for a Schengen visa must present evidence of travel insurance. The insurance must adhere to the following criteria

Minimum Coverage: A minimum of €30,000 for medical expenses, which includes emergency hospitalization and repatriation.
Validity: The insurance must be valid throughout all Schengen countries for the entire duration of the stay.
Travel insurance not only satisfies the visa requirement but also provides financial protection during your journey.

How to Purchase Reliance travel insurance for Switzerland?

Step 1: Visit the website and click on "Get Quote."
Step 2: Select your preferred plan and click "Buy Now."
Step 3: Review your plan details, including the premium amount, and enter the necessary personal information.
Step 4: Choose your preferred payment method and proceed to complete the transaction.

How to extend or renew Reliance overseas travel insurance while outside India?

Follow below steps to Renew Reliance Travel and Student Medical Insurance

Click on the Reliance declaration form and Reliance extension form to download the pdf document to your desktop.
Fill the form and sign the document.
Email the filled form along with existing policy copy to insurance@nriol.com

Once the renewal request is received it will followed up for getting approval which may take 1-2 working days and the policy holder will be updated on the approval / rejection about the same.

Reliance Switzerland travel insurance review

Sum Insured

€30,000 / €50,000

Tenure Options

180 days( can be extended for further)

Age of Entry

6 months to 99 years

Reliance Schengen travel insurance Plans for Switzerland: Coverage & Benefits

Reliance Schengen visa insurance Benefits for Switzerland

Coverage in Euros	Basic	Standard	Deductible
Medical Expenses including transportation and evacuation	€30,000	€50,000	€50
Dental Care Expenses	€500	€500	€50
Loss of Passport	Nil	€300	€25
Total Loss of Checked Baggage (per baggage maximum 50% and per item in baggage max 10%)	Nil	€500	Nil
Delay of Checked Baggage	Nil	€100	12 hours
Personal Accident	€10,000	€15,000	Nil
AD & D - Common Carrier	Nil	€2,500	Nil
Personal Liability	Nil	€50,000	Nil
Compassionate visit	-	Return Fare for any one accompanying person - spouse / child / family doctor	-

Benefits of Reliance Schengen travel insurance from India to Switzerland
- Our overseas Travel insurance covers you for any emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness or injury.
- We also reimburse emergency expenses towards medical evacuation to India.
- We cover the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
- Dental Treatment: We cover dental expenses incurred by you or any of your family members for any acute anesthetic treatment of teeth due to an injury.
- Personal Accident Claim: In case of an accident, we will provide compensation for death or permanent disability.
- Accidental Death and Common Carrier: The policy also provides compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.
- Loss of passport: In case you lose your passport, we shall reimburse the cost of obtaining a fresh or duplicate passport
- Total Loss of checked-in baggage: If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggage by the common carrier, we will provide compensation for the same.
- Compassionate Visit: We shall provide for the Return fare for any one accompanying person - spouse / child / family doctor
- Personal Liability: We offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by you or your family member abroad.
Exclusions in Reliance travel insurance for Switzerland (Schengen Visa)
- Pre-existing medical conditions, unless of life threatening condition.
- Suicide, self inflicted injury or illness.
- Mental disorder, anxiety, stress or depression.
- Venereal diseases, alcohol/drug abuse, HIV/AIDS.
- Traveling against the advice of physician.
- Receiving or are on a waiting list for specified medical treatment.
- Traveling for the purpose of availing treatment.
- Has received a terminal prognosis for a medical condition.
- Theft or loss of passport when left unattended or not informed to police authorities.
- Loss of checked-in baggage, no partial loss or damage shall become payable.
- War or nuclear threat.

How much does Reliance travel insurance for Switzerland cost for 30 days?

The Reliance travel insurance for Switzerland price ranges between ₹1,013 to ₹1,091 cost per month for 25 years old traveler, based on type of plan and policy maximum coverage.

Cheapest travel insurance for Switzerland
Plan Name	Policy maximum (US $)	Cost per month
Basic	$30,000	₹1,013
Standard	$50,000	₹1,091

Travel insurance for Switzerland from India - FAQ's

Is travel insurance required for Switzerland?

Yes, travel insurance is a requirement when applying for a Schengen visa to Switzerland. It must offer a minimum coverage of €30,000 for medical emergencies, including repatriation.

What does travel insurance for Switzerland encompass?

Typically, travel insurance covers medical emergencies, trip cancellations, delays, lost or delayed luggage, loss of passport, and personal liability. Certain policies may also extend coverage to adventure sports.

Does travel insurance include pre-existing medical conditions?

Some travel insurance plans may cover pre-existing medical conditions, but this is dependent upon specific terms and may involve additional premiums. It is advisable to consult our customer support team for further information.

Can I obtain travel insurance for adventure sports in Switzerland?

Yes, numerous insurers offer tailored coverage for adventure activities such as skiing, hiking, and mountaineering, which are prevalent in Switzerland.

How do i submit a claim while in Switzerland?

To file a claim, reach out to your insurer’s helpline, provide the necessary documentation (such as medical reports, receipts, and proof of loss), and complete the claim form. Ensure to follow up with your insurer for any updates.

Is travel insurance applicable in all Schengen countries?

Yes, Schengen travel insurance is valid across all nations within the Schengen Area, including Switzerland, for the duration specified in the policy.

Can I buy travel insurance after arriving in Switzerland?

No, it is essential to buy travel insurance prior to your trip start date, as it is a necessary for getting your Schengen visa permit.

How much is travel insurance cost for Switzerland?

The cost of Indian travel insurance for Switzerland depends on the traveler age and the length of travel insurance required. The cost if higher for senior citizens and the older the traveler the higher will be the cost. The cost of the Reliance Switzerland travel insurance is also higher for longer stays in Switzerland. Indian travelers visiting Switzerland can buy Reliance travel insurance to Switzerland from India on our website by completing an online Reliance travel insurance proposal form. The travel insurance India to Switzerland policy will be emailed to the email ID in the application form.

Do i need travel insurance for Switzerland?

If the traveler is applying for an Switzerlandn visa, the consular authorities can insist on adequate travel insurance for the visit to Switzerland. Given the fact that one’s domestic Indian health insurance has little coverage in Switzerland, it is very important for Indian travelers to have Reliance travel insurance while in Switzerland.

How do i claim Reliance travel insurance?

You can claim travel insurance by the following ways

Planned hospitalization:

Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization.
The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder has planned to take the treatment.
This claim will be cashless after deductible as per policy terms and conditions.

Emergency hospitalization

Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible.
The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder is taking treatment.
This claim will be cashless after deductible as per policy terms and conditions.

Reimbursement Claim

Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.
Pay from your pocket and claim for reimbursement later.
Register your claim.
As per the guidance of the claims department, submit all the relevant documents and medical bills to the specified address.
Verification and authentication of the submitted bills.
If your claim is approved, after deductible the eligible claim amount equivalent in Indian currency is reimbursed to the policy holder.

What are the general exclusions of Reliance travel health insurance from India to Switzerland?

Some of the general exclusions of Reliance overseas health insurance which are not covered are as below:

Any claims before the insurance start date and after the insurance end date are not payable.
Any pre-existing condition unless it is life-saving emergency condition.
Traveling abroad only to take medical treatment or traveling against the advice of the physician.
Policy holder taking part in a naval, military or air force operation.
Any claim caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
Any claim arising out of mental disorder, anxiety, stress, depression, HIV / AIDS
Any claim arising out of sporting activities.
Any act of terrorism, war and more.

How can i renew my Reliance travel policy? How do i extend my Reliance travel insurance?

You can renew the Reliance policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Can i extend my Reliance travel insurance while abroad?

Yes you can extend your travel insurance while being abroad. Fill the Reliance insurance policy renewal form so that our insurance advisors will help you to renew travel insurance to Switzerland from India policy.

Switzerland - General information

Location

Central Europe

Capital

Bern

Currency

Swiss franc

Best time to visit

June and Sept to mid-Oct

Population

Around 85 lakhs

Language

French, Italian and German

Vacation spots

Bern, Geneva, Zurich, Zermatt, Swiss National Park, Graubunden, Ticino, The Matterhorn, Jungfraujoch, Lucerne.

Popular tourist destinations in Switzerland

Interlaken

Nestled between Lake Thun to the west and Lake Brienz to the east, Interlaken is one of Switzerland's most popular summer holiday resorts.

Zurich

Zurich is Switzerland's largest city, a major transportation hub, and a top starting point for travelers. The city lies at the northwestern end of Lake Zurich astride the river Limmat.

Swiss National Park

The park encompasses more than 170 square kilometers of mountain pine forests, flower-dotted hollows, shrubs, fast-flowing rivers, and limestone crags.

The Rhine Falls

Spanning 150 meters, the Rhine Falls at Schaffhausen are the largest falls in Central Europe.when the mountain snow melts, and the falls swell in volume to spill over a 21-meter-high ledge of Jurassic limestone.

Other popular destinations in Switzerland

Switzerland boasts a wealth of stunning destinations. Here are some of the most sought-after places to explore:

Zürich:The largest city in Switzerland, renowned for its lively culture, museums, and shopping along Bahnhofstrasse.
Geneva:A cosmopolitan hub offering breathtaking views of Lake Geneva and the famous Jet d'Eau fountain.
Lucerne:Known for its medieval architecture, scenic lake, and the iconic Chapel Bridge.
Interlaken:A center for adventure sports and the gateway to the Jungfrau region.
Zermatt:Home to the iconic Matterhorn and exceptional skiing opportunities.
Bern:The capital city, featuring a rich historical heritage and charming architecture.
Montreux:Located alongside Lake Geneva, it is renowned for its jazz festival and the Château de Chillon.

The Indian Embassy in Switzerland

The Indian Embassy in Switzerland, officially known as the High Commission of India, is located in Bern. Here are the details:

Address	Contact Information	Services Offered
Kirchenfeldstrasse 28, Kirchenfeld-Schosshalde, Bern, 3005. Another office: Weststrasse 2, 3005 Bern.	Phone: +41 31 350 1130. Email:hoc.berne@mea.gov.in(for visa-related queries).	Visa and passport services. Assistance to Indian citizens in Switzerland. Promoting bilateral relations, trade, and cultural exchanges.