PSPI SA is a Swiss regulated insurance broker responsible for OPAL’s brokerage activities. PSPI holds legal responsibility for client relationships, contract supervision and compliance with Swiss financial regulations.
Is OPAL an insurance company?
No. OPAL is a digital platform operated by PSPI AG to provide access to international health insurance solutions from partner insurers. We broker insurance, we don’t underwrite it.
Who is legally responsible for my policy ?
Your policy is brokered and supervised by PSPI AG in partnership with selected insurers. PSPI AG holds professional liability insurance and operates under FINMA oversight.
What is the difference between international health insurance and travel insurance?
Travel insurance covers short-term emergencies during trips (typically up to 90 days). International health insurance provides ongoing healthcare coverage worldwide for people living abroad long-term.
How do I choose between Quartz, Sapphire and Diamond?
Our advisors conduct a needs assessment considering your :
- Destination country and healthcare costs
- Family composition and medical history
- Budget and coverage priorities
- Planned duration of stay abroad
What insurance companies does OPAL work with?
OPAL partners with leading international health insurers including GoldenCare, April International, Expatriate Group, Foyer Global Health and PacificCross. All partners are selected by PSPI AG based on financial strength, network quality and claims service.
Can I manage my policy digitally?
Yes. The OPAL platform allows you to :
- View policy documents
- Submit claims online
- Track reimbursement status
- Update personal information
- Contact advisors via secure messaging
How are claims processed?
Depending on your coverage level:
- Direct billing: Hospital bills insurer directly (cashless)
- Reimbursement: You pay and submit claim for reimbursement
- Hybrid: Direct billing for hospitalization, reimbursement for outpatient
Processing times: 5-15 business days for standard claims.
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