Score Expat is a Swiss insurance plan designed for expatriates of all nationalities and their families who live abroad for more than a year. This policy can provide you with coverage either worldwide or in a region of your choice.
ScoreExpat offers the benefits ‘à la carte’ so that you can create an insurance plan that best suits your needs: international medical insurance, assistance and repatriation services, personal liability, legal protection, accidental death and disability insurance and kidnap and ransom cover.
This policy can be chosen for a minimum period of one year and subscribed up to age 70 years old.
Advantages of ScoreExpat
You can create your tailor-made international insurance plan whatever your job, leisure interests and sport activities.
You can choose from three geographical areas of cover: World, World excluding USA, or Africa only for medical benefits. All other plans are worldwide except the International protection pack which excludes USA and Canada.
The option of insurance continuity between international health coverage and Swiss health coverage: no waiting period and a similar local cover.
A lifetime international medical insurance cover guarantee whatever your age and health.
You choose the doctor, specialist and medical facility in a specific country, region or city.
ScoreExpat offers a full package of assistance services to you and your family in case of any accident, hospitalization, death
International protection package: personal civil liability + legal protection
- • Personal liability insurance, which covers personal injury and material damage caused to third parties of up to CHF 5’000’000 per year and per event
- • Legal criminal assistance, which pays for your legal expenses and securities of up to CHF 360’000 in Europe and CHF 70’000 outside Europe (except the United States and Canada)
Accidental death and disability
- • A capital sum of CHF 50,000 is payable to the beneficiaries of the policy following the accidental death of the insured person
- • A capital sum of CHF 150,000 is payable to the insured person following accidental permanent disability
Kidnap & ransom
- • Coverage in the event of a kidnapping and ransom demand, extortion, illegal detention and hijacking of up to 50 million € per claim
- • This coverage offers unlimited professional services in terms of time and cost
This service provides you with immediate telephone support by an experienced team of healthcare professionals
High quality personalized services
Our team of professional, multilingual helpline staff is available 24/7 to handle your policy enquiries.
You will receive your ScoreExpat Welcome Pack with all the key information about your policy and your personalised membership card.
We offer a range of convenient Online Services, including the facility to view policy documents, check cover details and track claims and remaining benefit limits. You can manage your medical policy 24/7 in 6 different languages.
Quality claims management and services
Automatic emails are sent out to you to inform you of the status of your refund requests throughout every stage of the process. Reimbursements by cheque or bank transfer are made in more than 140 currencies to more than 150 countries.
Your hospital bills are paid directly by us when possible. No out-of-pocket expenses!!
ScoreExpat is a comprehensive Swiss insurance solution designed for expatriates of all nationalities and their families who live abroad.
ScoreExpat supports your employees and their family either worldwide or in a region of your choice. ScoreExpat can cover your expatriates, Third Country Nationals, local employees with or without basic medical insurance.
ScoreExpat offers you a simple, carefree solution with à la carte benefits so that you can create an insurance scheme that best suits your company needs and those of your expatriate staff.
ScoreExpat is composed of:
• A core plan : an international medical plan including 2 modules and several formulas plus a comprehensive assistance and repatriation cover.
• Five optional insurances : a dental cover, an international protection pack including private civil liability and legal protection, an international group protection plan, an international pension plan and a kidnap & ransom cover.
ScoreExpat advantages for your employees
300’000 expatriates from multinational companies, SMEs and international organizations are covered today by our partners which all have recognized proven expertise. 95% have renewed their international medical cover.
ScoreExpat offers a full package of 24/7 assistance services to the insured member and his family in case of any accident, hospitalization, death.
ScoreExpat offers the facility of insurance continuity between international medical coverage and Swiss health coverage: no waiting period and a similar local cover. (Subject to eligibility approval)
Our team of professional, multilingual helpline staff is available 24/7 to handle your employees’ policy enquiries
Your members can manage their medical and pension policies 24/7. They can download, update their insurance policy documents and monitor their reimbursement statements in real time.
The hospital bills are paid directly by us when possible. Direct “cashless” settlement!
- • An e-mail is sent to the Member automatically to inform him that his reimbursement claim has been received and is being processed.
- • Reimbursements by cheque or bank transfer are made in more than 140 currencies to more than 150 countries.
Your employees choose their preferred doctor, specialist and medical facility in a specific country, region or city.
Your expatriate staff access to 3’800 medical centres worldwide, 4’000 hospitals and 460’000 doctors in the United States.
We offer flexible underwriting rules for our members!
Avantages for your company
All our benefits are ‘portable’, moving as employees move from country to country, providing continuous cover. Simple, no worry!
We are the single point of contact to the company from the scheme’s design and during the contract duration. We involve our different specialists for the scheme’s transition and/or its implementation. Our team of experts remains at the company’s disposal to provide advice when required.
ScoreExpat covers employees of all nationalities, for either long or short term assignments. We also offer the facility to ensure Third Country Nationals as well as expatriates and employees who are already abroad (subject to local regulation).
We offer Medical History Disregarded group schemes from 3 employees (subject to contract). We offer discounts based on the number of members enrolled in the scheme.
The company can design a single corporate scheme which can be split into separate policies to offer flexible grouping and billing of different sets of employees with different benefits. This brings considerable advantages to the company’s HR strategy!
ScoreExpat offers the facility to ensure Third Country Nationals as well as multinational employees based in Switzerland in addition to the compulsory Swiss medical insurance. This international cover would substitute your staff’s local complementary medical insurance.
ScoreExpat and our partners have defined a multidisciplinary cost containment approach based on control and procedures such as provider network discount, treatment guarantee, regional focus, fraud detection, disease management etc.
Group Scheme Managers access to a secure range of real time, multilingual online services, allowing better control of the insured member base and offering much greater convenience in terms of scheme administration.