Insurance grows over the years: a policy from your first employer, a group contract from the company, a health insurer from the canton you used to live in. Our insurance advisory services in Switzerland bring those contracts together on one table – and examine what still fits you today.
We work as an independent insurance broker: we don't represent an insurance company, we represent you. We compare offers on the market, explain the conditions behind them, and remain your contact after the contract is signed.
With 13 locations in nine cantons, we are where you live and work. If you move, change jobs, or run a business, your advisory team stays the same.
Available in person at your location or digitally from anywhere.
Providing a few brief details will help us to optimally prepare your request.
Most households and businesses don't have a coverage problem, they have an overview problem. That is exactly where we start: first sort it out, then optimize.
Health, property, personal and business insurance come together under a single mandate with us. You have one conversation instead of five – and still keep a free choice between providers.
Anyone who signs contracts over many years ends up paying twice in one place and being thinly covered in another. We lay policies, group contracts and statutory benefits side by side – and only then talk about changes.
Health insurance premium regions, cantonal building insurance and responsibilities differ noticeably across Switzerland. We examine what a move or a new place of work means for your coverage.
Insurance, pensions, taxes and financing are connected. Our specialists in those areas sit in the same house – so your coverage is never looked at in isolation.
Our insurance advice is for everyone who wants to make their coverage a deliberate decision – whatever the location and whatever the stage of life.
Health insurance, household contents, liability, life, motor – most families have accumulated a fair amount over the years. We bring order into it and show what fits together and what doesn't.
Business liability, property and business interruption cover, daily sickness benefits, supplementary accident insurance and the pension fund affiliation belong in one view – together with your private coverage as an owner.
Moving to Switzerland or working across the border comes with its own deadlines and options in health insurance. We clarify what applies in your case and support you with the registration.
Marriage, a new baby, home ownership, a job change, retirement or a move to another canton: each of these changes what you need – and what you can cancel.
We handle questions such as these on a daily basis. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
A broker does not represent an insurance company, but the client. They compare offers from several providers, negotiate conditions, and remain the point of contact after the contract is signed – in the event of a claim, for instance. smzh is not bound by any insurance provider and advises free of commissions.
We are present at 13 locations in nine cantons – among them Zurich, Bern, Basel, Lucerne and St. Gallen. Every consultation is also possible by video call, wherever you live.
The initial consultation is free of charge. For further advice we work with transparent flat rates or hourly rates – no hidden commissions and no selling pressure.
We look at personal insurance (health, accident, disability and life insurance), property insurance (household contents, liability, buildings, motor vehicles) and, for companies, the business covers. Occupational and private pension provision is included in the picture.
A change of residence affects the premium region of your health insurance, among other things, and the building insurance, which in several cantons runs through a cantonal institution. We check before the move which contracts need to be adjusted, cancelled or newly concluded.
No. Many existing policies are good and stay in place. Our aim is a reliable overview – we only recommend changes where they bring you a recognizable benefit.
Tödistrasse 53, 8002 Zurich, Switzerland
Kornhausplatz 14, 3011 Bern, Switzerland
Barfüsserplatz 3, 4051 Basel, Switzerland
Schwanenplatz 3, 6004 Lucerne, Switzerland
Kornhausstrasse 25, 9000 St. Gallen, Switzerland
Bahnhofstrasse 41, 5000 Aarau, Switzerland
Stadtturmstrasse 10, 5400 Baden, Switzerland
Grabenstrasse 7/9, 7000 Chur, Switzerland
Bahnhofstrasse 55, 8500 Frauenfeld, Switzerland
Bahnhofstrasse 33, 6210 Sursee, Switzerland
Churerstrasse 24, 8808 Pfäffikon SZ, Switzerland
Poststrasse 144, 7050 Arosa, Switzerland
Bahnhofstrasse 22, 9470 Buchs SG, Switzerland
Eight of our locations serve regions with insurance topics of their own – from the border region and the mountain canton to the industrial hub. What that means for your coverage, you can read here.
Bahnhofstrasse 41, 5000 Aarau. The canton of Aargau combines industry, trade and a lot of home ownership. Frequent topics: buildings and household contents cover for your own home, daily sickness benefits for companies, and aligning statutory accident benefits with private coverage.
Stadtturmstrasse 10, 5400 Baden. A region with large technology and industrial employers. Those employed there often have strong group solutions – and pay twice privately if nobody puts the two sides next to each other.
Grabenstrasse 7/9, 7000 Chur. In Graubünden, second homes, properties in tourism municipalities and long distances shape the risk picture. Buildings, liability and travel cover need a different look here than in the agglomeration.
Bahnhofstrasse 55, 8500 Frauenfeld. Thurgau lives from agriculture, food production and supplier industries. Business assets, farm succession and the proximity to the German border raise questions a standard policy rarely covers cleanly.
Bahnhofstrasse 33, 6210 Sursee. In the Lucerne countryside, home ownership is within reach for many families, and a great number of households commute to Lucerne, Zug or Zurich. Home, family protection and disability cover belong in the same view.
Churerstrasse 24, 8808 Pfäffikon SZ. The canton of Schwyz attracts newcomers from other cantons and from abroad. Change of residence, several contractual relationships and estate planning are the most frequent starting points here.
Poststrasse 144, 7050 Arosa. In the mountain region, a lot of income is seasonal – from hotels, restaurants, mountain railways and self-employment. Loss of earnings, accident cover and business interruption carry particular weight here.
Bahnhofstrasse 22, 9470 Buchs SG. In the St. Gallen Rhine Valley, right on the border with Liechtenstein and Austria: many people live here and work in the neighbouring country – or the other way round. Health and accident insurance then follow different rules.
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 give us a call – free and without obligation. We look forward to meeting you.
