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Free health treatment in Switzerland is very limited; health care generally is very expensive.

If you’re skiing, snowboarding or trekking, check whether your policy covers helicopter rescue and emergency repatriation. Mountain rescue is shockingly expensive and most normal policies don’t cover many outdoor activities; you’ll need to pay a premium for winter-sports cover and further premiums for adventure sports like bungee jumping and skydiving.

Worldwide travel insurance is available at www.lonelyplanet.com/bookings. You can buy, extend and claim online any time – even if you’re already on the road.