Are you looking for insurance advice in Bern that looks at your policies, your employer's group contracts and the statutory benefits together – instead of selling each cover on its own? Then you are in the right place.
At Kornhausplatz 14, a few steps from the Zytglogge, we first lay open what you already have – through your employer, the cantonal building insurance and your private policies. Only then do we talk about changes.
Bern is shaped by public-sector and federally affiliated employers, associations, hospitals and a broad base of trades. Those employed here often have good group solutions – and sometimes buy the very same cover a second time privately.
Whether it is a move from the administration into the private sector, household contents and liability after a move to the agglomeration, protection against disability or your SME in the Mittelland – we start with the question that matters to you today.
In person in Bern's old town, by video or by phone: you can reach our Bern team directly on +41 31 544 77 33.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. holistic. for you. – this promise applies at Kornhausplatz too. In Bern it means above all that we clearly separate what your employer and the canton already settle from what you can decide yourself. Three principles carry it:
Public-sector and federally affiliated employers in Bern frequently offer strong group solutions for accident, daily sickness benefits and death. We read your pension fund statement and your private policies together – and check what remains when you leave.
In the canton of Bern, health insurance is calculated across several premium regions, and the building insurance runs through the cantonal institution. A move to the agglomeration or to the Seeland therefore changes more than just your address.
We don't represent an insurance company, we represent you. If your cover through your employer is already good, we say so – even when that leaves us nothing to arrange. Any commissions are disclosed.
Bern combines public-sector employers, associations and educational institutions with a broad base of trades and a great deal of home ownership in the surrounding region. Our advice is for everyone who wants to turn that into clear protection – with insurance and health insurance, retirement provision and taxes as parts of the same calculation.
You will find an overview of all locations on our page Insurance Advice Switzerland.
Your group solution is often good – but it ends with the employment relationship. We show which benefits fall away when you leave, move into the private sector or become self-employed, and what replaces them.
Deductible, insurance model, supplementary cover for the children, household contents when you move, liability for the household: we go through the decisions with you instead of selling you a package.
Business liability, property and business interruption cover, daily sickness benefits and the pension fund affiliation belong in one shared view – together with the private protection of the owners.
When employment ends, accident cover through the employer and other group benefits fall away. We clarify in good time what needs to be arranged anew – and what you can cancel.
We hear these questions at Kornhausplatz especially often. Is yours missing? Fill in the form at the top of this page or call our Bern team on +41 31 544 77 33.
You will find us at Kornhausplatz 14, 3011 Bern – in the middle of the old town and just a few minutes from the main station. Appointments are also possible by video.
The first consultation at Kornhausplatz or by video is free of charge and non-binding. After that we work on a fee basis – as a flat rate for a clearly defined mandate, such as matching your group benefits against your private policies before a job change, or at an hourly rate. You know the scope before we begin.
In everyday speech both terms mean the same thing: someone who is on your side rather than on the side of a company. That is exactly how we work – we compare offers from several providers, explain the conditions and remain your point of contact after the contract is signed, including in the event of a claim.
Especially then. Group solutions in the public sector are often comprehensive – which frequently leads to the same cover being paid for a second time privately. Conversely, the protection ends with the employment relationship. We review both sides.
In the canton of Bern, building insurance runs through the cantonal institution; household contents, personal liability and supplementary cover, on the other hand, you choose freely on the market. We show which part is negotiable and which is not.
Yes. You can have the consultation on site at Kornhausplatz or entirely by video call – whichever works better for you.
smzh ag stands for independent, comprehensive, and tailored financial solutions that are accessible to everyone. Regular personal interaction with our clients is especially important to us, as it allows us to truly understand their goals and wishes, which are always at the heart of our considerations. We are fully committed to finding the optimal solution for your current circumstances and for whatever the future may bring.
We always act responsibly – toward clients, partners, and society as a whole by taking decisions based on careful deliberation.
The requirements and objectives of our clients are at the core of our daily work.
Trust is the foundation of what we do – we guard it with utmost care, as we strive to always find the optimal solution for our clients.
We seek to find long-term and sustainable solutions for our clients.
We always strive to find innovative solutions that create added value for our clients.
Our principle of independence allows us to always act in the interest of our clients.
Fill in the form at the top of this page or call our Bern team directly on +41 31 544 77 33 – free and without obligation. We look forward to meeting you.
