Your personal insurance, pension and financial advice Switzerland
Insurance is complicated. It’s not like buying a chair, a shirt or groceries. When you take out insurance, you buy a promise.
most asked questions
An unexpected illness
Even if you are in good health, an unexpected illness or injury could happen that you should pay out of your pocket if you do not have health insurance. If you are not insured and unexpectedly need surgery or other emergency care, the cost of the full amount of benefits, which can be thousands of francs. While you can save money every week by taking out an employer-related or individual health insurance policy, the cost of non-insurance could be much higher in the long run.
Natural disasters or trespassing
Homeowners and tenants run the risk of their property being damaged by a natural disaster or robbery. If you are not insured, it can be expensive to replace all your things. You may not think that your property is worth the insurance premiums, but replacing electronics alone could cost thousands of dollars depending on what you own. If you are insured, your insurance can help you replace these items.
Loss of a loved one
It can be difficult to think about, but being prepared for the loss of an income earner is the best way to protect your family. A life insurance policy can help lovers start with a clean slate by helping to pay off the mortgage, credit card bills, outstanding loans, household bills, childcare costs, tuition and end costs, such as funeral expenses and taxes.
The real advantage of insurance is to reduce the financial risk and give you the support you need when the unexpected happens. Live life knowing that you have helped protect your loved ones financially.
When is the best time to think about insurance?
The sooner the better! The moment you receive your first paycheck is the best time to start building your health and protecting your lifetime. Early cover gives you the certainty that you will receive the lowest possible premiums. Choose the cover and premium that best suits your needs and budget, and you can adjust the amount of cover that suits your needs as it changes over time.
Insurance companies invest the funds securely
Life is a risk! Insurance is one way of covering extreme risks.
When you take out an insurance policy, you transfer the costs for a possible loss to the insurance company. Insurance companies invest the funds securely so that they can grow and pay out in the event of a loss.
It’s a promise that if something catastrophic happens to your business, your carrier will help you get your business going again. Sometimes, however, it is tempting to question the value of an insurance policy because it is an intangible product.
first type of insurance
What is the first type of insurance cover I should think about?
Which insurance is really important depends on your personal life situation. As a first step to protection, you should start with personal health insurance to cover your most important needs. This includes protection against accidents and the assumption of costs in connection with hospital stays, surgical and other medical expenses.
Type of Insurance
What type of insurance should I take out?
Protect your health and that of your family first, and then consider life insurance to protect household finances if something happens to you. Finally, consider insurance that will give you and your family savings for the future.
Health insurance
Every person must have either private or statutory health insurance. That’s required by law. For most people the statutory health insurance makes more sense. A supplementary health insurance offers many advantages for the insured.
Private liability insurance
With a private liability insurance you insure yourself against possible claims for damages.
Car insurance
Every vehicle must at least have liability insurance. Partial and fully comprehensive insurance, however, are optional. The car hull insurance also takes care of damage to your own car.
Statutory pension insurance
For most people, the statutory pension insurance is the most important component of their old-age provision.
Insurance against occupational disability
For young people in particular, the state safety net can turn out to be a coarse mesh because they do not have enough insurance months.
Education insurance
An education insurance is in reality a capital life insurance.
Glass insurance
The breakage of a glass pane is usually financially bearable.
future of my family
What should I do to secure the future of my family?
It’s important to protect yourself first. Then protect your family by making sure they have the money to pay for all the necessary things.
These expenses may include payment for your children’s education, clarification of your mortgage, contingencies for foreseeable emergencies that may occur, and care for relatives such as elderly parents.
That’s why you are exactly right with us!
Trust our first class 360 degree financial advisory Switzerland!
We offer online the services of a competent, reputable and experienced insurance broker.
Thus, you receive with us an insurance package perfectly tailored to your wishes and needs.
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