Swiss Insurance Services

Health insurance (basic coverage) is mandatory for all Swiss residents. You must enroll within 3 months of establishing residency. Additional mandatory insurance may include liability insurance for rental properties and professional liability depending on your situation. We help you understand all requirements and ensure compliance.

Proper insurance guidance typically saves 20-40% on total insurance costs through optimal provider selection, deductible optimization, and avoiding unnecessary coverage. Our experts help you balance cost savings with comprehensive protection, often saving CHF 2,000-5,000 annually on insurance premiums.

Basic health insurance covers essential medical services mandated by law, while supplementary insurance adds coverage for services like dental care, private hospital rooms, alternative medicine, and international treatment. Supplementary insurance is optional but often recommended for comprehensive protection.

Yes, you can change health insurance providers annually with proper notice (usually by November 30th for changes effective January 1st). For other insurance types, change options vary by policy terms. We help you evaluate switching opportunities and manage the transition process.

While not legally mandatory for individuals, liability insurance is highly recommended and often required by landlords for rental properties. Professional liability insurance may be mandatory depending on your occupation. We assess your liability risks and recommend appropriate coverage.

Insurance claims processes vary by provider and coverage type. Generally, you submit claims with supporting documentation, and insurers process payments according to policy terms. We provide claims support, help with documentation, and advocate for fair settlements when disputes arise.