When a vacation suddenly turns into an emergency: Who pays the exorbitant hospital bills abroad?
You’ve booked your vacation… and then suddenly you find yourself in the hospital instead of on the beach? Whether it’s appendicitis in Bali or a medical emergency with your child in Greece: getting medical treatment abroad can cost tens of thousands of francs in the blink of an eye. Your basic health insurance covers only a small portion of that. But if you travel with simpego, you’re covered for medical expenses worldwide up to 3 million francs. That way, you can focus on what really matters: getting back to good health.
Overview of Our Services
| Your Benefits with “Worldwide Medical Expenses” | Coverage |
|---|---|
| Valid Worldwide | Applies to all destinations outside Switzerland—whether it’s a beach vacation, a city trip, or a business trip. |
| Cost coverage up to 3 million CHF | Covers necessary medical expenses abroad when LAMal (basic health insurance) benefits are insufficient. |
| Complementary to Personal Assistance | Available only in combination with Personal Assistance—ideal for emergencies abroad. |
| Coverage for costly hospital stays | For example: premature birth, appendectomy, or a complex leg fracture—even in the United States or Australia. |
| Immediate assistance with simpego | In the event of an emergency, we’ll take care of organizing everything and handling the costs directly with the hospital. |
The sun is beating down, the sea is sparkling, life seems so easy. Picture-perfect vacation moments. But then… a fall on the hotel steps. Severe appendicitis. Or, as in Laura’s case: a baby who suddenly decides to arrive four weeks early on a Greek island.
Situations like these happen out of the blue. And with them, often, exorbitant hospital bills. In many countries—from Thailand to the United States to Spain—medical care is provided by private providers. The costs? They can quickly reach five-zero figures. And Swiss basic health insurance (LAMal) covers only a small portion.
It’s a good thing if you’ve taken out insurance in advance.
With the simpego “Worldwide Medical Expenses” extension, we cover your medical expenses abroad—up to 3 million CHF. And we do so precisely when basic insurance isn’t enough or the hospital doesn’t accept direct reimbursement through LAMal at all.
Whether it’s emergency surgery, intensive care, or a hospital stay:
you focus on getting better, and we’ll take care of the bill.
Typical situations where the “Worldwide Medical Expenses” coverage protects you:
A ski trip in Canada ends with a complex leg fracture
; an appendicitis episode in Bali takes you to the nearest private hospital
; your child falls while playing at a resort and needs surgery
; a premature birth in Cyprus turns into amedical challenge
You need to be
urgently repatriated after an accident And best of all:
this coverage is part of simpego’s Personal Assistance and can be easily added to your Travel Insurance. No stress, no paperwork—but with the assurance that you’ll be well taken care of in an emergency.
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