Your situation
What this solves
The EHIC / GHIC covers emergency medical — but NOT mountain rescue (CHF 3,000–30,000+). Many travel insurance policies have alpine exclusions, ski-related co-pays, or "winter sports +50%" surcharges. This tool surfaces the gap between your coverage and the real cost of Swiss alpine incidents.
REGA (Swiss Air-Rescue) offers a CHF 30/year Patronat that covers all rescue costs for Swiss residents — for foreign visitors, the equivalent is a separate REGA "Guest" subscription (CHF 40/year) or a comprehensive travel insurance plan.
How to read the results
- Medical emergency = treatment, hospital.
- Mountain rescue = REGA helicopter.
- Repatriation = transport back to home country.
- Ski / winter sport often needs a separate rider.
What this calculator ignores
- Your specific policy details — always read the small print.
- Cancellation, baggage, and liability — only medical is checked.
Common questions
Does EHIC cover REGA helicopter rescue?
No. EHIC covers emergency medical treatment. Mountain rescue is a separate cost the patient pays. Some policies exclude mountain rescue entirely.
How much is a REGA rescue?
CHF 3,000–5,000 for a simple rescue, CHF 10,000–30,000 for an alpine one with complex extraction. REGA charges by minute, equipment, and complexity.
What's the cheapest reliable travel insurance?
REGA Guest Patronat (CHF 40/year) covers mountain rescue. Combine with a basic health plan for full coverage. Compare at rega.ch.