Insurance companies limit your risk and pay the costs if you sustain a loss. To enable an insurance company to guarantee the cover, you are required to pay a regular premium. If your bicycle is stolen, for example, you can claim a part of the lost value from the insurance company, depending on the terms of your arrangement.

If you are unsure whether or not to take an insurance policy, just consider how you would manage in an emergency without this insurance.

Insurance for (almost) every area of life

Health insurance

This type of insurance is compulsory in Switzerland, but the premiums for the basic insurance vary form company to company. A comparison that also takes into account the supplementary insurance products will allow you to spare money. Moreover, you do not need to stipulate your basic and supplementary insurance with the same company. It is worth the trouble – the change is easier than one would suppose. For further details go to the section "Health Insurance".

Comparison of health insurance premiums by comparis

Home-contents insurance

This insurance policy protects all the furnishings in your apartment or house against damage caused by fire, water, broken glass or theft.

Buildings insurance

This is relevant to those who own an apartment or a house. This insurance policy protects buildings or parts of buildings against damage caused by fire, water or broken glass. This policy is compulsory in most cantons but the insurance benefits and premiums may vary.

Private third party liability insurance

This protects you against claims asserted by third parties, even if you are personally responsible for the damage.

Car insurance

In order to drive a car you need at least a general liability insurance. A partly or fully comprehensive insurance, a break-down service, a legal protection insurance or other kinds of solutions are optional. It is worthwhile to compare the various offers. For further information refer to the section "Buying a car".

Premiums comparison by comparis

Travel insurance

Before you book a trip, you are asked about the cancellation cost insurance. If you cannot go on a trip at short notice for any reason, you still have to pay much of the cost of the services, which you had already booked for the planned trip. This is where the cancellation cost insurance comes in. It covers the amount for you. You can also take this insurance for a whole year, which may be particularly useful for frequent travellers.

There are various types of insurance to cover your travel plans. Depending on your requirements you can insure yourself against theft or accidents and illness abroad and also for a repeat journey.

Legal expenses insurance

Legal expenses insurance helps you in a legal dispute. There are solutions available to help you in the event of disputes under traffic law and civil law.

Life insurance

There are essentially four types of life insurance: whole life insurance, disability insurance, old-age provision and mixed life insurance, which is a combination of old-age provision and risk insurance.

These are the most common forms of insurance. The best thing to do is to contact an independent agent for advice on which "insurance mix" is advisable for your circumstances.

Further Information

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