Your personal insurance broker in Switzerland
Always on your side
- 95%of clients come on recommendation
- 24 haverage response time
- 30 minfor policy enrollment
- 20+insurance companies in partnership
Insurance products for individuals in Switzerland
Individual insurance solutions for your peace of mind
and full protection
and full protection
1. Mandatory Health Insurance (Basic — LAMal / KVG)
Required by law for all Swiss residents from the moment they enter the country.
Covers essential medical services: outpatient and inpatient treatment, surgeries, and certain prescription medications.
Includes emergency services up to a limited amount and hospitalization.
Provides treatment for chronic diseases and mandatory vaccinations.
Coverage applies primarily within Switzerland.
2. Supplemental Health Insurance (Additional — LCA / VVG)
Not mandatory by law. Covers risks not included or partially covered by basic insurance.
Includes orthodontic treatment, reimbursement for glasses and contact lenses.
Covers alternative medicine: massage, acupuncture, homeopathy, osteopathy, and more.
Offers the option of semi-private or private hospital room, as well as the choice of attending physician and surgeon.
Provides both emergency and planned treatment abroad worldwide, also the specialist of your choice.
Includes repatriation (medical evacuation to Switzerland in case of serious illness or injury).
Covers search and rescue operations, including helicopter evacuation.
Expands access to preventive and wellness programs, as well as additional vaccinations.
Optionally covers injuries, including those sustained during extreme sports.
Examples of additional coverage:
Required by law for all Swiss residents from the moment they enter the country.
Covers essential medical services: outpatient and inpatient treatment, surgeries, and certain prescription medications.
Includes emergency services up to a limited amount and hospitalization.
Provides treatment for chronic diseases and mandatory vaccinations.
Coverage applies primarily within Switzerland.
2. Supplemental Health Insurance (Additional — LCA / VVG)
Not mandatory by law. Covers risks not included or partially covered by basic insurance.
Includes orthodontic treatment, reimbursement for glasses and contact lenses.
Covers alternative medicine: massage, acupuncture, homeopathy, osteopathy, and more.
Offers the option of semi-private or private hospital room, as well as the choice of attending physician and surgeon.
Provides both emergency and planned treatment abroad worldwide, also the specialist of your choice.
Includes repatriation (medical evacuation to Switzerland in case of serious illness or injury).
Covers search and rescue operations, including helicopter evacuation.
Expands access to preventive and wellness programs, as well as additional vaccinations.
Optionally covers injuries, including those sustained during extreme sports.
Examples of additional coverage:
- Search and rescue with helicopter evacuation — covered under a supplemental policy.
- Return from abroad in case of serious illness — repatriation included.
- Treatment abroad with a chosen specialist — possible with additional coverage.
- Compensation for glasses, lenses, and orthodontics — provided by supplemental insurance.
What it is:
Protection of your car, motorcycle, or other vehicle from financial losses from accidents, theft, damage, and other risks.
Why it is needed:
Examples:
Protection of your car, motorcycle, or other vehicle from financial losses from accidents, theft, damage, and other risks.
Why it is needed:
- Liability insurance:
- Partial casco (third-party, fire, and theft):
- Full casco (comprehensive insurance):
- Parking damage insurance:
- Roadside assistance / towing insurance:
- Driver and passenger accident insurance:
Examples:
- You accidentally hit another car — the insurance pays for the repair of the damaged vehicle.
- Your car is stolen — the company reimburses your loss.
- Your car is damaged by hail — the insurance covers the repair.
- You crash into a pole — comprehensive insurance pays for the repair of your vehicle.
- Your car is scratched by an unknown person in a parking lot — the insurer covers the repair.
What it is:
Protects your building or other construction from financial losses due to damage or destruction caused by fire, flooding, storms, theft, and other risks. Helps to avoid major expenses of restauration or repair.
Why it is needed:
To avoid major expenses for restoration or repair.
Covers damages from natural and man-made disasters.
Includes protection for structural elements, walls, roof, and utility systems.
Often required for mortgages or rental of the property.
Examples:
Protects your building or other construction from financial losses due to damage or destruction caused by fire, flooding, storms, theft, and other risks. Helps to avoid major expenses of restauration or repair.
Why it is needed:
To avoid major expenses for restoration or repair.
Covers damages from natural and man-made disasters.
Includes protection for structural elements, walls, roof, and utility systems.
Often required for mortgages or rental of the property.
Examples:
- A fire damages part of the building — insurance pays for the repairs.
- Flooding after a burst pipe — the insurer reimburses the damage.
- A storm rips off the roof — the company pays for restoration work.
- Damage to equipment or doors caused by a break-in — the insurance covers repair or replacement.
What it is:
Reimbursement of expenses if you are forced to cancel or interrupt your trip for a valid reason.
It is used to avoid losing money on tickets, hotels, or tour packages.
Coverage applies in cases of illness, accident, pregnancy, visa refusal, vehicle breakdown, strikes, and other unforeseen circumstances.
It is valid before the start of the trip as well as during the travel.
Protects not only you but also your family members.
Examples:
Reimbursement of expenses if you are forced to cancel or interrupt your trip for a valid reason.
It is used to avoid losing money on tickets, hotels, or tour packages.
Coverage applies in cases of illness, accident, pregnancy, visa refusal, vehicle breakdown, strikes, and other unforeseen circumstances.
It is valid before the start of the trip as well as during the travel.
Protects not only you but also your family members.
Examples:
- You fall ill before departure — the insurance reimburses the cost of the ticket and accommodation.
- A close relative is urgently hospitalized — the trip is cancelled, and expenses are covered.
- Your car breaks down on the way to the airport — the insurer pays for the missed services.
- Your visa application is refused — the cost of the tour is refunded.
Protects your valuables such as watches, jewelry, designer bags, musical instruments, works of art, etc. from financial losses in case of theft, loss, or damage.
Why it is needed:
Preserves the value of expensive items in case of loss, damage, or theft.
Coverage applies both at home and outside, also during travel.
Even cases such as accidental misplacement, loss, or items falling into water are insured.
Examples:
Why it is needed:
Preserves the value of expensive items in case of loss, damage, or theft.
Coverage applies both at home and outside, also during travel.
Even cases such as accidental misplacement, loss, or items falling into water are insured.
Examples:
- Expensive watch got stolen in a hotel — the insurance reimburses the replacement value or current market value if it has increased.
- A painting is damaged during a move — the insurer pays for restoration or replacement.
- A musical instrument is dropped — the policy covers repair or purchase of a new one.
- A designer bag is forgotten in a café or falls overboard from a boat — the insurance compensates for the loss.
Why it is needed:
Financial protection for the family or dependents in the event of the insured person’s death.
Payment of a lump sum or regular annuity to the beneficiaries.
Possibility to include coverage for disability, loss of earning capacity, or critical illness.
Often used as collateral for a mortgage or business loan.
Examples:
Financial protection for the family or dependents in the event of the insured person’s death.
Payment of a lump sum or regular annuity to the beneficiaries.
Possibility to include coverage for disability, loss of earning capacity, or critical illness.
Often used as collateral for a mortgage or business loan.
Examples:
- In the event of the death of the wageworker, the family receives the pre-agreed insurance amount.
- In case of disability, the policy provides regular payments or waives premium contributions.
Why it is needed:
Builds additional capital for retirement.
Reduces tax burden: contributions to a Pillar 3a policy are deductible from taxable income.
Guarantees amount at the end of the contract (if the insurance-based option is chosen).
Offers possibility to participate in the returns of investment products (depending on the strategy).
Optional protection in case of disability or death.
Flexible conditions.
Option to use savings early for purchasing real estate, starting a business, or moving abroad.
Examples:
Builds additional capital for retirement.
Reduces tax burden: contributions to a Pillar 3a policy are deductible from taxable income.
Guarantees amount at the end of the contract (if the insurance-based option is chosen).
Offers possibility to participate in the returns of investment products (depending on the strategy).
Optional protection in case of disability or death.
Flexible conditions.
Option to use savings early for purchasing real estate, starting a business, or moving abroad.
Examples:
- You make annual contributions to the 3rd pillar — you receive tax savings while building retirement capital.
- You use the accumulated funds as a down payment for housing — possible under certain conditions.
- You add disability coverage — if you lose earning capacity, the insurer continues paying your contributions.
- You choose an investment strategy — gaining the opportunity to increase returns on your savings.
What it is:
Covers expenses for treatment, diagnostics, surgery, and emergency care in case your pet gets ill or suffers an accident.
Why it is needed:
Prevents sudden high costs for veterinary services.
Insurance applies to illnesses, injuries, poisonings, and other acute conditions.
Covers check-ups, lab tests, medications, surgeries, and post-operative care.
Free choice of veterinarian.
Suitable for dogs and cats (depending on the insurer’s conditions).
Examples:
Covers expenses for treatment, diagnostics, surgery, and emergency care in case your pet gets ill or suffers an accident.
Why it is needed:
Prevents sudden high costs for veterinary services.
Insurance applies to illnesses, injuries, poisonings, and other acute conditions.
Covers check-ups, lab tests, medications, surgeries, and post-operative care.
Free choice of veterinarian.
Suitable for dogs and cats (depending on the insurer’s conditions).
Examples:
- Your dog has gastric torsion — the insurance pays for surgery and treatment.
- Your cat breaks a leg — the insurer covers X-rays and medical care.
- Your pet is poisoned — diagnostics and medications are included in coverage.
- An unexpected illness — the policy reimburses vet visits and medications.
Liability insurance provides financial protection if you accidentally cause damage to someone else’s property or harm another person’s health. The insurance covers the costs of compensation to the injured party.
Why it is needed:
Helps to avoid major personal expenses if you are found liable for damages.
It’s often required when renting housing or signing certain contracts.
Coverage includes up to three rented apartments in Switzerland and is valid worldwide.
Examples:
Your children draw on the walls of your rented flat — the insurance covers the repainting services.
Why it is needed:
Helps to avoid major personal expenses if you are found liable for damages.
It’s often required when renting housing or signing certain contracts.
Coverage includes up to three rented apartments in Switzerland and is valid worldwide.
Examples:
- In everyday life:
- In a rented apartment:
Your children draw on the walls of your rented flat — the insurance covers the repainting services.
- Involving pets:
Property insurance protects you from financial losses in case of damage to or loss of belongings due to fire, theft, flooding, broken glass or ceramics, and other risks.
Why it is needed:
To avoid major expenses for restoring or replacing property.
It’s often required when renting housing.
Theft outside home is also covered worldwide.
With additional options, you can insure gadgets, sports equipment, and other valuable items against damage.
Examples:
Why it is needed:
To avoid major expenses for restoring or replacing property.
It’s often required when renting housing.
Theft outside home is also covered worldwide.
With additional options, you can insure gadgets, sports equipment, and other valuable items against damage.
Examples:
- Your bicycle is stolen — the insurance reimburses the cost of a new one.
- A fire damages your furniture — the insurer pays for repair or replacement.
- Your apartment suffers flooding — expenses for restoration are covered at replacement value.
What it is:
Covers the costs of lawyers, courts, expert assessments, and consultations in legal disputes in your personal life.
Why it is needed:
Protects from spending your own money on protecting your rights.
Helps in disputes with landlords, employers, sellers, and neighbours.
Includes legal consultations, document preparation and court representation.
Is valid also your family members.
Valid in Switzerland and abroad (depending on the policy).
Examples:
Covers the costs of lawyers, courts, expert assessments, and consultations in legal disputes in your personal life.
Why it is needed:
Protects from spending your own money on protecting your rights.
Helps in disputes with landlords, employers, sellers, and neighbours.
Includes legal consultations, document preparation and court representation.
Is valid also your family members.
Valid in Switzerland and abroad (depending on the policy).
Examples:
- A landlord unjustly withholds your deposit — the insurance pays for a lawyer.
- Unfair dismissal — you receive full legal support.
- Issues with an online purchase — consumer rights protection through court action.
- Charged with a traffic violation abroad — the insurer arranges legal defence.
Comprehensive insurance solutions for legal entities
Protect your company, employees, and assets with proven insurance programs
What it is:
State-regulated insurance that covers risks related to accidents and occupational diseases of employees in Switzerland.
Why it is needed:
State-regulated insurance that covers risks related to accidents and occupational diseases of employees in Switzerland.
Why it is needed:
- To protect both the employee and the employer from financial consequences in the event of injury, illness, or death connected with work duties.
- Covers treatment, hospitalization, medication, rehabilitation, and disability benefits.
- Provides compensation in case of disability or death of an employee.
- Includes both occupational and non-occupational accidents (if employee works more than 8 hours per week).
- Mandatory for all employed workers.
- A construction worker is injured on site — the insurance pays for treatment, sick leave, and rehabilitation.
- An employee contracts an occupational disease — all medical costs and compensation are covered.
- A worker is injured in a traffic accident on the way to work — the insurer reimburses the damages.
- In case of temporary incapacity for work — a benefit equal to 80% of the salary is paid.
What it is:
Voluntary insurance that extends the basic LAINF/UVG coverage. It provides a higher level of protection in case of accidents and occupational diseases.
Why it is needed:
Voluntary insurance that extends the basic LAINF/UVG coverage. It provides a higher level of protection in case of accidents and occupational diseases.
Why it is needed:
- To ensure better compensation conditions and broader coverage than what is provided by mandatory insurance.
- Additional benefits in case of disability or death.
- Higher daily allowances during temporary incapacity to work.
- Improved conditions for inpatient treatment (e.g., semi-private or private hospital room).
- Extended coverage for non-occupational accidents.
- Possibility to insure income above the mandatory insurance limit (approx. CHF 148,200/year).
- An employee is temporarily unable to work — supplementary insurance pays a higher allowance than LAINF.
- After a serious injury, an employee is declared disabled — the policy provides increased compensation.
- During hospitalization, the employee receives treatment in a semi-private room covered by insurance.
- An employee’s salary exceeds the statutory limit — the policy covers income beyond that threshold.
What it is:
Voluntary insurance that provides income replacement if you are temporarily unable to work due to illness.
Why it is needed:
Voluntary insurance that provides income replacement if you are temporarily unable to work due to illness.
Why it is needed:
- To maintain financial stability during loss of earning capacity caused by illness; suitable for employees, employers, and self-employed individuals.
- Pays a regular allowance (usually 80% of the salary) in case of illness.
- Coverage starts after a defined waiting period (e.g., 30 days).
- Can be arranged individually for self-employed persons or as group insurance through an employer.
- Protects in both short-term and long-term incapacity to work.
- An employee gets ill and cannot work — the insurance pays a monthly allowance until recovery.
- A self-employed entrepreneur is forced to pause business activities due to illness — the insurance compensates for lost income.
- After a prolonged illness, an employee undergoes rehabilitation — the insurance continues to provide benefits during recovery.
- The illness lasts longer than expected — payments are extended according to the policy terms.
What it is:
Mandatory pension insurance for employees in Switzerland with annual salary of at least CHF 22,050 and voluntary for semi-employed individuals. It represents the second pillar of the pension system (in addition to AHV/AVS).
Why it is needed:
Provides retirement benefits as well as protection in case of disability or death.
What it includes:
Mandatory pension insurance for employees in Switzerland with annual salary of at least CHF 22,050 and voluntary for semi-employed individuals. It represents the second pillar of the pension system (in addition to AHV/AVS).
Why it is needed:
Provides retirement benefits as well as protection in case of disability or death.
What it includes:
- Pension payments
- Disability benefits
- Survivor benefits for the family in case of death
- Option for early withdrawal of funds (e.g., for home purchase)
What it is:
Insurance for cargo and goods during transportation by any means — truck, train, airplane, or ship.
Why it is needed:
Insurance for cargo and goods during transportation by any means — truck, train, airplane, or ship.
Why it is needed:
- To protect the business from financial losses in case of damage, loss, or delay of goods in transit.
- Covers risks such as theft, accidents, natural disasters, and other unforeseen events.
- Provides compensation for the value of damaged or lost goods.
- Cargo is involved in an accident — the insurer reimburses the loss.
- Goods are stolen during transportation — the insured receives compensation.
- Delivery delays affect deadlines — losses are covered.
- Goods are damaged due to natural conditions — restoration costs are reimbursed.
What it is:
Insurance for a company’s equipment, furniture, and other inventory against damage and loss.
Why it is needed:
To protect the business from financial losses due to fire, theft, flooding, or other risks.
Covers repair, replacement, and restoration of damaged property.
Ensures peace of mind and stability in company operations.
Examples:
Insurance for a company’s equipment, furniture, and other inventory against damage and loss.
Why it is needed:
To protect the business from financial losses due to fire, theft, flooding, or other risks.
Covers repair, replacement, and restoration of damaged property.
Ensures peace of mind and stability in company operations.
Examples:
- Equipment is damaged in a fire — the insurer covers repair or replacement.
- Office furniture is stolen — the company receives compensation.
- Flooding damages technical equipment — the losses are reimbursed by the insurance.
- Inventory is damaged in an accident — expenses are compensated.
What it is:
Insurance that protects a business from financial losses if damage is caused to third parties — clients, partners, or the environment.
Why it is needed:
Insurance that protects a business from financial losses if damage is caused to third parties — clients, partners, or the environment.
Why it is needed:
- To avoid significant expenses from claims for mistakes, omissions, or damages caused by the company’s activities or its employees.
- Covers material, physical, and financial damage.
- Compensates legal expenses and claim settlements.
- Particularly important for consultants, builders, doctors, lawyers, and other professionals.
- A consultant gives incorrect advice — the insurance covers the client’s losses and legal costs.
- An employee accidentally damages a client’s property — the company does not pay out of pocket, the insurance compensates the loss.
- A product causes harm to its users — the insurance covers compensation to the injured party.
- An architect makes an error in a design — liability insurance pays for corrections and potential lawsuits.
What it is:
Mandatory and optional insurance for a company’s vehicle fleet, protecting against losses from accidents, damage, and third-party liability.
Why it is needed:
Mandatory and optional insurance for a company’s vehicle fleet, protecting against losses from accidents, damage, and third-party liability.
Why it is needed:
- To protect the business from financial risks related to damage to company vehicles, liability for harm to other road users, and theft.
- Covers repairs, medical expenses, and third-party damages.
- Includes both mandatory liability insurance and optional coverages (comprehensive, driver, and cargo insurance).
- Helps optimize vehicle fleet management costs and minimize financial losses.
- A company car is involved in an accident — the insurance covers repairs and medical treatment for the injured.
- One of the vehicles is stolen — the insurer reimburses the loss.
- A driver is injured while using a company's vehicle — medical expenses are covered.
- Due to a breakdown, a vehicle is out of service for several days — loss of profit is compensated.
What it is:
Insurance that covers the costs of legal assistance and the protection of a company’s interests in disputes and litigations.
Why it is needed:
Insurance that covers the costs of legal assistance and the protection of a company’s interests in disputes and litigations.
Why it is needed:
- To avoid high expenses for lawyers, expert opinions, and court proceedings in case of conflicts.
- Covers consultations, legal services, court costs, and compensations.
- Helps resolve labor disputes, contract issues, intellectual property matters, and other legal problems.
- Reduces risks and protects the business from financial losses in legal proceedings.
- A supplier fails to meet contract terms — the insurance pays for lawyers and court costs.
- A dispute arises with an employee — the expenses of defending the employer’s interests are covered.
- Legal advice is needed on licensing matters — costs are reimbursed by the insurance.
- Protection of the company’s intellectual property — support and payment of litigation expenses are provided.
What it is:
Insurance that covers a company’s financial losses if a business trip is cancelled or disrupted due to unforeseen reasons.
Why it is needed:
Examples:
Insurance that covers a company’s financial losses if a business trip is cancelled or disrupted due to unforeseen reasons.
Why it is needed:
- To recover expenses for tickets, hotels, and other services if the trip does not take place because of illness, force majeure, or other valid circumstances.
- Compensates costs in case of cancellation, delay, or shortening of a trip.
- Protects the company from losses related to unexpected changes in travel plans.
Examples:
- An employee gets ill before the trip — the insurance reimburses ticket and booking costs.
- A conference is canceled for technical reasons — travel expenses are compensated.
- A business meeting is postponed due to force majeure situation— the insurer covers the losses.
- A flight is delayed — additional accommodation and transportation costs are reimbursed.
What it is:
Insurance that protects company’s buildings and property against damage caused by fire, natural disasters, theft, and other risks.
Why it is needed:
Insurance that protects company’s buildings and property against damage caused by fire, natural disasters, theft, and other risks.
Why it is needed:
- To avoid major financial losses in case of damage to or destruction of commercial real estate.
- Covers repair, restoration, and replacement of damaged property.
- Protects against losses due to business interruption resulting from an insured event.
- A fire damages the office — the insurance covers repair and restoration.
- A building is affected by flooding — the costs of damage remediation are reimbursed.
- Theft of equipment — the insurance compensates the value of the stolen items.
- Business operations are halted due to damage — loss of profit is covered.
What it is:
Voluntary life insurance and a retirement savings solution (third pillar) for company employees.
Why it is needed:
To provide financial protection for an employee’s family in the event of death of that employee.
Helps building additional retirement savings.
Ensures a payout in case of death or critical illness.
Allows employees to create supplementary pension savings beyond mandatory contributions.
Increases employee loyalty and demonstrates the employer’s social responcibility.
Examples:
Voluntary life insurance and a retirement savings solution (third pillar) for company employees.
Why it is needed:
To provide financial protection for an employee’s family in the event of death of that employee.
Helps building additional retirement savings.
Ensures a payout in case of death or critical illness.
Allows employees to create supplementary pension savings beyond mandatory contributions.
Increases employee loyalty and demonstrates the employer’s social responcibility.
Examples:
- In the event of an employee’s death, the family receives an insurance payout.
- An employee saves money for an additional pension through the third pillar.
- A critical illness requires financial support — the insurance helps cover expenses.
- The employer offers attractive saving and protection options for employees.
| The role of a broker Contacting an insurance broker means gaining access to a wide range of opportunities and a personal advisor who can fully take over the management of insurance matters and provide access to the most innovative products on the market. Unlike insurance agents, who are bound by contracts with a single insurance company, a broker acts independently, offering intermediary services between the client and the entire insurance market. We work as intermediaries on behalf of our clients and in line with their needs. We are not tied to any single insurance company; instead, we provide the opportunity to compare a wide range of offers. We constantly strive to find the best solutions available on the market and request tailored offers from each company in order to determine which one is the most advantageous and best suited for the client. This approach allows us to act 100% in the client’s interests, rather than in the interest of any single insurance company. |
Our partner network
Our value lies in a strong negotiating position with insurance companies.
Through continuous solution-finding, innovation, and market monitoring, we help to improve insurance conditions for both companies and individuals.
Through continuous solution-finding, innovation, and market monitoring, we help to improve insurance conditions for both companies and individuals.
Frequently Asked Questions (FAQ)
- Which clients do you work with?We work with private individuals, companies, and government institutions.
- Why should I work with a broker?A broker provides access to a wide range of insurance solutions, helps with all the paperwork, and acts independently.
- What types of insurance do you work with?We work with all major types of insurance: personal, property, corporate, liability, health, business, and more.
Our contacts:
info@km-insurance.ch
+41 78 767 27 09
+41 78 767 27 09
info@km-insurance.ch
Immediate response
KM Consulting & Insurance Sagl
CHE-193.754.481
CHE-193.754.481