Health Insurance
The Swiss health insurance system consists of mandatory basic insurance and optional supplemental coverage. Basic insurance is compulsory for everyone and providers can be switched annually until the end of November. Premiums vary depending on place of residence, age, deductible (franchise), and model (e.g., free choice of doctor, HMO, family doctor, Telmed). Supplemental insurance offers additional benefits such as fitness subsidies, vision aids, or travel vaccinations for tailored protection.
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Motor Vehicle Insurance
Motor vehicle insurance includes the compulsory liability insurance required by law, which protects third parties against damages—a prerequisite for vehicle registration. Optional coverages such as partial or fully comprehensive insurance provide protection against theft, natural events, or damage to your own vehicle. Additional benefits like roadside assistance or bonus protection can be added flexibly. Premiums depend on factors such as age, vehicle type, and place of residence, enabling a combination of legal coverage and individual protection.
Legal Protection Insurance
Legal protection insurance offers financial security in legal disputes and provides protection in areas such as everyday conflicts, traffic, or labor law. Depending on your needs, coverage can be extended to tenancy law, contract law, or online legal cases. There are also solutions for companies and self-employed individuals to cover professional legal risks. Premiums depend on the scope of coverage and individual requirements, offering flexible and reliable protection in both private and professional matters.
Personal Liability Insurance
Personal liability insurance is essential for everyday life. It applies if you or your family members cause personal injury or property damage and covers the financial consequences. Whether it’s a mishap during sports, damage in a rental apartment, or the accidental loss of someone else’s property—personal liability has you covered. With flexible coverage options, it adapts to your individual circumstances and protects you from unpleasant surprises.
Building Insurance
Building insurance provides reliable protection for your property against a wide range of risks. These include damage caused by fire, water, storms, or other natural events that can occur suddenly and unexpectedly.
In addition to covering repair costs, building insurance helps minimize the financial burden for homeowners in such situations. Whether it’s the foundation, facade, or roof structure—your property remains comprehensively protected.
Building insurance is a key component in safeguarding the long-term value of your property and cushioning potential damage. An indispensable protection for owners who value security and stability.
Travel Insurance
Do you often travel abroad or frequently go on trips? Travel insurance provides reliable protection against unexpected events such as accidents, illnesses, or natural occurrences that could disrupt your plans. You’ll be well covered—no matter where your journey takes you.
Valuables Insurance
Valuables insurance provides tailored protection for your most precious possessions—from jewelry and watches to art and collectibles. It covers losses due to theft, loss, or damage and ensures your valuables are optimally protected. Flexible and individually adjustable, it offers security and peace of mind wherever you are.
Pet Insurance
Pet insurance protects you from the financial consequences of unexpected veterinary costs and ensures your pet receives the best possible care. Whether illness, accident, or surgery—it covers treatment costs and gives you the security to focus entirely on your companion’s well-being. Flexible and individually adjustable, it’s the ideal protection for every pet owner.
Retirement Planning
Switzerland’s 3-pillar system forms the foundation for secure retirement planning. While the 1st pillar (AHV) covers basic needs and the 2nd pillar (pension fund) supports your accustomed standard of living, the 3rd pillar allows you to actively plan for your future and benefit from tax advantages. Plan today for a worry-free tomorrow—we’re here to help!
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