Question 1

How often should I change my health insurance company?

Accepted Answer

It is advisable to review your health insurance premiums every autumn when the new premiums are published. Switching is possible on 1 January with a notice period until the end of November. I will compare all offers for you free of charge and guide you through the entire switching process.

Question 2

What is the difference between pillar 3a and 3b?

Accepted Answer

Pillar 3a (tied pension provision) offers tax advantages: Payments can be deducted from taxable income. However, the money is tied up until retirement. Pillar 3b (unrestricted pension provision) is more flexible - you can access your capital at any time, but benefit from fewer tax advantages. Which solution suits you better depends on your personal situation.

Question 3

Do I need supplementary health insurance?

Accepted Answer

Basic insurance covers basic medical care. Supplementary insurance can be useful for: free choice of hospital, single room, complementary medicine (e.g. acupuncture), dental treatment or glasses/contact lenses. I will be happy to analyse whether and which supplementary insurance you need in a personal consultation.

Question 4

What does personal liability insurance cover?

Accepted Answer

Personal liability insurance protects you if you cause damage to another person or their property - whether through carelessness in everyday life, as a tenant (e.g. water damage), through your children or pets. The costs are low (from approx. CHF100/year), but the protection is extremely important, as claims for damages can run into the millions.

Question 5

How does accident insurance work in Switzerland?

Accepted Answer

In Switzerland, employees have compulsory accident insurance through their employer (occupational and non-occupational accidents for more than 8 hours per week). Self-employed persons and persons not in gainful employment must ensure accident cover through their health insurance. Supplementary accident insurance can close gaps, e.g. for disability or daily allowance.

Question 6

How much does car insurance cost in Switzerland?

Accepted Answer

The costs vary greatly depending on the vehicle, place of residence, driving experience and chosen cover. Pure third party liability starts at around CHF 400/year, fully comprehensive cover can cost CHF 1,500+. Important factors are: Bonus level, excess, vehicle value and additional cover such as parking damage or breakdown assistance. I compare the best offers for you.

Question 7

When is legal expenses insurance worthwhile?

Accepted Answer

Legal expenses insurance is particularly worthwhile if you live in rented accommodation (tenancy law), own a car (traffic law) or are an employee (labour law). It covers legal fees and court costs in the event of a dispute. Even a single legal case can exceed the premiums of many years.

Question 8

How can I save on my insurance?

Accepted Answer

The greatest savings potential often lies in: (1) changing health insurance provider with a higher deductible, (2) bundling several insurance policies with the same provider, (3) paying annually instead of monthly, (4) reviewing duplicate insurance policies, (5) adjusting cover amounts to actual needs. In an overall analysis, I will find your personal savings potential.

Question 9

What happens to my insurance policies when I move?

Accepted Answer

If you move within Switzerland, you should inform all insurance companies of the change of address. Health insurance premiums may change (depending on the region), as may car and household contents insurance. Special regulations apply when moving abroad - I will be happy to advise you on the necessary steps.

Question 10

Do you also offer counselling in Slovakian?

Accepted Answer

Yes, I would be happy to advise you in Deutsch or Slovak/Czech. As a native Slovakian, I understand the special challenges that come with living in Switzerland - from your first health insurance policy to long-term pension planning. Our AI assistant also speaks both languages.

Frequently asked questions

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Frequently asked questions

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