INSURANCE AND MUTUAL INSURANCE FOR SWISS RESIDENTS
“THINGS” INSURANCE and HERITAGE INSURANCE
Property insurance protects real estate and objects/goods of individuals and businesses.
Wealth insurance is intended to protect the wealth owned in the form of assets, which are considered to be the set of assets and fortune of a person. The insurance guarantees reimbursement in the event of financial losses following an event.
The main property insurances are:
Household insurance which insures the material goods present in your family home against most risks.
Fire insurance which covers the insured's material assets in the event of fire
Building and construction liability insurance which insures the building itself, in the case where the individual owns his house (or any other type of real estate)
Vehicle insurance that covers your insured vehicle in the event of natural damage or damage caused involuntarily by the insured himself to his vehicle
The main wealth insurance policies are:
The differences in liability insurance such as private liability, building liability, project owner liability. It covers damage caused to third parties.
Legal protection which covers the financial costs of lawyers and administrative procedures in the event of a dispute.
Travel insurance .
HEALTH FUND
LAMal basic insurance
and complementary
Health insurance in Switzerland is compulsory .
This is the health insurance law (LAMal).
Its operation is not managed by the government and the management of health protection is delegated to private insurers who apply very different rates between them and according to the cantons.
The basic benefits of compulsory health insurance can be supplemented by supplementary insurance subject to the Insurance Contracts Act (LCA).
The supplementary insurance will cover the basic insurance benefits (LAMal) .
For example, they will reimburse alternative or natural medicine services, dental costs, hospital costs for a double or single room or even the possibility of receiving treatment in the hospital of your choice in Switzerland.
Depending on your income and family situation, your canton may subsidize part of your premiums. We will assist you with the steps to take.
Every year, household budgets are greatly impacted by increases in LAMal premiums. The abundance of offers available on the market makes the evaluation of different companies very complex.
In order to save money and benefit from the best coverage , it is essential to regularly review your insurance contracts. Whether you want to reduce your premiums or adjust your benefits, our experts are attentive to your needs and will select the best opportunities for you!
