Why choosing an international health insurance?

Every government has its own health system. Expenses related to it change significantly from one country to another and can be very expensive. As an expat, you’re not under the health care of your home country anymore. That’s why it is strongly recommended that you subscribe to an international health insurance cover for you, your family or your international employees, so you can avoid unexpected fees, and leave without worrying.

In addition to your health expenses covered in a foreign country, other guarantees remain essential as maternity or dental/optical.

Who is the Opal international insurance aimed at?

Opal international health insurance is designed for individuals and/or expat families living and/or working in a foreign country for a long period of time. The insured person and his dependents (common law-partner and/or children mentioned in the policy) have access to the same rights.

What’s the difference between an international insurance and a travel insurance?

You should think of travel insurance when you think of holidays. This insurance covers unexpected events both before departure and while abroad. It covers cancellation fees, compensation in case of loss or theft of your personal belongings/luggage and urgent medical fees, whereas international health insurance covers health checks, outpatient care and the monitoring of chronic disease treatment abroad.

What is Opal?

Opal is a collective contract negotiated with Allianz Partners, one of the global insurance leaders. Opal is distributed to individuals and/or families allowing them to enjoy benefits in terms of price/services that are only negotiable with collective contracts.

What is the next step once your medical questionnaire is accepted by the insurer?

Once your subscription request has been approved, you become a new Opal insured member. You will receive an email and/or a letter with the following documents:

  • Your insurance certificate
  • The terms and conditions of your insurance as well as other legal documents
  • Your Mastercard and your insured person number

Your access code to the management platform and its user manual.

How does reimbursement for medical fees work?

Thanks to our claims’ manager, PassportCard, refunds can always be made easily as follows:

  • Each member will receive their own Mastercard (+ 18 years old) which will allow them to pay doctors and medical expenses directly. Therefore, no out-of-pocket expenses and no paperwork related to medical expenses. A simple activation of the card on our online app prior to the appointment and that’s it. The member won’t need to submit a refund form if they decide to use the card.
  • If the member decides not to use the card, they can also download the application or go to the dedicated online portal to manage reimbursement requests directly. Reimbursement of medical expenses is extremely fast and takes place within a matter of a few days.
  • For the guarantee of payment of a hospitalization, PassportCard will communicate directly with the hospital.

In what currency is the payment of premiums and reimbursement of medical fees made?

You can pay your premium in EUR or in USD if you take out the US cover. Fees and benefits are refunded in the currency of your choice. Only refund limits are set in the premium payment currency (EUR, or USD). For example, you pay your premium in EUR and decide to be reimbursed in CHF. You consult a doctor in the United Kingdom whose consultation is in GBP. Reimbursement will be made in CHF according to the GBP/CHF exchange rate on the day of the reimbursement request.

What happens if you change your country of expatriation?

If you have to change your country of expatriation, the conditions of your Opal contract remain the same.

Having said that, we kindly invite you to inform us promptly so we can update your data and your certificate.

What should I do in case of changes to my family situation?

You should send us a copy of the official document (marriage, birth, divorce or death certificate) by email or post, in the 30 days following the change in the family situation (marriage, birth, divorce or widowhood) so that this information can be added to your contract.

What is the minimum time for membership?

Any Opal contract is a 12-month contract at a minimum.


What is telephone medical counselling?

As an Opal insured person, you can contact a general practitioner by phone who will proceed with the first medical diagnosis, and will guide you on the following treatment. Medical advisers speak several languages and are available 7 days out of 7.

From a maternity perspective, what does the insurance cover?

To benefit from the maternity coverage with your Opal membership, you must have subscribed to our insurance cover 12 months before your first pregnancy-related consultation. Once this deadline has passed, Opal covers gynaecologist appointments, blood tests, scans and hospital fees related to vaginal deliveries for a limited amount as indicated on your contract. In case of an emergency caesarean delivery or if other complications arise during the delivery, it is a standard hospitalization where fees are 100% covered (check your cover).

How do I avoid paying for care fees upfront in case of admission into hospital?

Call PassportCard directly to issue a hospital care guarantee: +4940460020455

Have you not found the answer to your question ?


+41 22 317 78 55