Insurance, branch by branch
What each contract really covers, what is compulsory and what is not, and what pushes the premium up. With no invented tariffs.
Car insurance in SwitzerlandLiability compulsory, casco optional.
Household insuranceYour belongings, and the under-insurance trap.- Personal liability insuranceThe cheapest and most useful contract.
Travel insuranceThree covers, often confused.- Legal protection insuranceThe lawyer paid — if the policy precedes the dispute.
The Swiss mortgageOwn funds, affordability, then the rate.
Company insuranceThe compulsory first, then what really counts.- Pet insuranceVet bills and damage caused: two things.
- Insurance after 55Basic stays open, supplementary closes.
- Health insurance for cross-border workersOne choice, three months, no way back.
- Swiss pension provision, the three pillarsThree pillars, a 60 % of final salary target.
- Death, and what it leaves behindWhat survivors really receive — and the gap.
- Family, pregnancy and the babyMaternity with no deductible, and prenatal cover.
- Cyber insurance for individualsWhat it really adds to the policies you already hold.
- Getting insured when you arrive on a permitThree months to choose, retroactive to day one.
- What is reimbursed, and what is notGlasses, braces, osteo, therapy: where the line runs.
- Hospital cover, from general to privateSame medicine, different room and different doctor.
Sport, part-funded by your insurerGym, yoga, skiing: what actually comes back.- Tax and your insuranceWhat is really deductible, and what the canton changes.
- Banking, accounts and feesWhere the fees you do not see are hiding.
- Personal credit and leasingThe legal framework beats any instalment comparison.
- Telecom and energyWhere to look on a bill nobody ever rereads.
- Pillar 3a at the bank or with an insurerA free account, or a binding contract.
- Choosing a broker, and checking themHow to check a broker, ours included.