Are you looking for insurance advice in St. Gallen 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 Kornhausstrasse 25, a few minutes' walk from the main station, we first lay open what you already have – through your employer, privately and, if you work across the border, in the neighbouring country too. Only then do we talk about changes.
Eastern Switzerland is shaped by industry, mechanical engineering and a dense SME network – and by the proximity to Liechtenstein and Austria. Anyone working across the border faces questions of their own in health and accident insurance.
Whether it is daily benefits and accident cover at an industrial employer, the right health insurance as a cross-border commuter, your first own policy after graduating or protecting your family business – we start with the question that matters to you today.
In person in St. Gallen's city centre, by video or by phone: you can reach our St. Gallen team directly on +41 71 580 58 88.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. holistic. for you. – this promise applies at Kornhausstrasse too. In St. Gallen it means above all that we first clarify which system is responsible for you before we talk about premiums. Three principles carry it:
Living in the Rhine Valley and working in Liechtenstein or Austria – or the other way round – is everyday life here. Which health and accident insurance then applies depends on residence, place of work and the applicable social security agreements. We clarify your constellation before anything goes wrong.
In Eastern Switzerland, many people work in manufacturing businesses. Accident and daily sickness benefit solutions there are often good – the gap appears for salary components above the statutory accident insurance ceiling and when you leave the company.
We don't represent an insurance company, we represent you. Where a question concerns foreign social security or tax law, we say so and bring in specialists. Any commissions are disclosed.
St. Gallen combines industry and trades with a strong education and services hub – and lies close to two national borders. 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 accident and daily benefit solution runs through the company – and ends with it. We show which part of your protection hangs on the employment contract and what needs to be arranged anew if you change jobs or are let go.
Between the St. Gallen Rhine Valley, Liechtenstein and Vorarlberg, responsibilities change quickly. We assess which system applies to you and bring in specialists for cross-border questions.
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.
First flat of your own, first health insurance policy, first employment contract: we explain what is compulsory, what makes sense and what can wait – without selling you a package right away.
We hear these questions at Kornhausstrasse especially often. Is yours missing? Fill in the form at the top of this page or call our St. Gallen team on +41 71 580 58 88.
You will find us at Kornhausstrasse 25, 9000 St. Gallen – in the city centre and just a few minutes' walk from the main station. Appointments are also possible by video.
The first consultation at Kornhausstrasse 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 clarifying your health and accident cover when you work across the border, or at an hourly rate. You know the scope before we begin.
In common usage both terms describe the same role: advice that does not sell on behalf of a company. That is how we work in St. Gallen – 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.
That depends on your residence, your place of work and the applicable social security agreements – there is no blanket answer. We go through your specific constellation, record which system is responsible, and bring in specialists where needed.
In the canton of St. Gallen, 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 Kornhausstrasse 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 St. Gallen team directly on +41 71 580 58 88 – free and without obligation. We look forward to meeting you.
