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Areas of cover

What we can protect, explained simply

Six areas, one page each. Understand what each one covers and how it works in Switzerland, then request a tailored check.

01 Individuals & families

Health & illness

Health insurance in Switzerland is mandatory (KVG/LAMal) and covers basic care. Supplementary plans (VVG/LCA) add comfort and extra benefits. We help you pick the right fund, deductible and supplementary cover.

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What it covers
  • Basic insurance (KVG) and choice of fund
  • Choosing the most cost-effective deductible
  • Supplementary: hospital, dental, alternative medicine
  • Savings models (family doctor, telemedicine)

For whom: Individuals · families · cross-border workers

02 Individuals

Car & vehicles

Vehicle third-party liability is mandatory; partial and full comprehensive cover protect your vehicle. We compare premiums and cover and find the right balance between protection and price for cars, motorbikes and company vehicles.

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What it covers
  • Vehicle third-party liability (mandatory)
  • Partial cover: theft, hail, animals, glass
  • Full comprehensive and bonus protection
  • Driver accident cover and roadside assistance

For whom: Drivers · motorcyclists · new drivers

03 Individuals & families

Home & household

Household insurance protects your belongings (fire, water, theft) and private liability covers damage you might cause to others. Two affordable but essential covers for every household.

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What it covers
  • Household contents: fire, water, theft
  • Private liability (damage to others)
  • Glass breakage and indirect damage
  • Cover for owners and tenants

For whom: Tenants · owners · families

04 Individuals & families

Life & pensions (pillar 3a)

The Swiss three-pillar system often leaves an income gap at retirement. Pillar 3 (3a/3b) fills it, optimises taxes and protects your family in case of death or disability.

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What it covers
  • Tied (3a) and flexible (3b) pillar 3
  • Retirement saving and tax optimisation
  • Death and disability cover
  • Planning towards buying a home

For whom: Employees · families · the self-employed

05 Individuals

Personal liability

If you cause damage to a person or property, private liability pays on your behalf - and the costs can be huge. It’s one of the best value-for-money covers there is.

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What it covers
  • Damage to others (people and property)
  • Cover for the whole family
  • Tenant damage to the home
  • Optional legal-protection cover

For whom: Singles · couples · families

06 Businesses & the self-employed

Business cover

A business has specific needs: corporate liability, occupational pension (BVG/LPP), loss-of-earnings insurance and protection for premises and equipment. We structure cover around your activity.

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What it covers
  • Corporate and product liability
  • Occupational pension (BVG) and accident (UVG)
  • Loss of earnings and staff sickness cover
  • Business property: premises, stock, equipment

For whom: SMEs · sole traders · start-ups

Full check

Not sure where to start? Let’s start together

In 3 minutes you tell us your situation. We tell you where you’re well covered, where there are gaps and where you can save - free and with no obligation.

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  • Comparison of 25+ insurers
  • Review of policies you already have
  • Removing duplicates and gaps
  • One contact for every need