The basics: Social security & insurance in Switzerland
Switzerland has a well-developed insurance system that provides coverage in many areas of life. A number of mandatory insurances, regulated by law, are complemented by voluntary insurances that provide additional protection.
In addition to selecting an insurance that is right for you, legal requirements and individual needs play a key role in securing proper coverage.
Partial insurance: Covers damage related to natural events, theft, or glass breakage.
Comprehensive insurance: This coverage also includes damage resulting from self-induced accidents or vandalism.
Select provider and compare premiums & benefits
Meet insurance obligation within three months after taking up residence in Switzerland
Select appropriate deductible (co-payment) & supplementary insurance
Gainfully employed persons are automatically covered via their employer
Self-employed persons must take out private accident insurance
Liability insurance is required to register a car
Partial or comprehensive insurance depending on value of vehicle & personal coverage
Household contents and personal liability insurance for additional protection
Legal expenses insurance to have coverage in case of disputes
Life and provisional insurance for long-term planning
Discover which types of insurance are essential for real estate owners in Switzerland and how to be best protected against any kind of damage. Learn more about building, household contents, liability and construction insurance as well as how to sustainably safeguard your financial security.
Jewelry, watches or musical instruments – many household contents insurances do not sufficiently cover your valuables. A valuables insurance does – globally, against theft, loss or damage. Our video demonstrates what you should insure, how the value is determined, and what you need to mind.
Learn how the right preparation can render your relocation to Switzerland a breeze – ensuring a successful start both at home and at work.
An own home provides a great deal of freedom, but it also entails risks. Be it fire, storms or flooding – if your home is not adequately insured against these risks, you may incur steep costs in the event of damage. Our fact sheet details what insurances are truly important for real estate owners in Switzerland, and what is key to know in the so-called GUSTAVO (Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais, Obwalden) cantons.
Whether it is expensive jewelry, exclusive watches or precious heirloom – your favorite items deserve appropriate protection. A valuables insurance is a sensible complement to your household contents insurance and provides worldwide coverage in the event of theft, damage or loss. Our fact sheet details how you can cover your favorite items in a targeted and comprehensive manner.
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Let smzh advise you in a non-binding conversation and find the best possible insurance solution for your start here in Switzerland.
We handle questions about insurance & health insurance on a daily basis. These are the most frequently asked ones:
Yes, health insurance coverage is mandatory within three months after taking up residence.
In most cases, you can’t. Yet exceptions apply for cross-border commuters or diplomats.
The community will refer you to a health insurer, which usually means higher premiums.
No, each family member must have his/her own health insurance.
Yes, a liability insurance is a prerequisite to register a vehicle in Switzerland.
