Protect the life you're building in Switzerland
Beyond health insurance, a few private covers keep an unexpected event from derailing your finances - personal liability, household, life and income protection, legal and travel. We compare the market independently and set you up with only what actually fits your life here - free and in plain English.
- Independent
- Free advice
- Tailored to expats
Find the cover that actually fits
Answer three quick questions and we'll map the cover that actually fits - free, no obligation.
- 1Situation
- 2Interests
- 3Your details
Who is this for?
Independent. Expat-focused. Genuinely free.
We're a Swiss financial intermediary - not tied to any single insurer. We compare across the entire market, translate the small print into English, and only recommend what actually fits your life in Switzerland. Both the comparison and the follow-up consultation are free and non-binding.
Independent
Not owned by an insurer. Advice you can trust.
Whole-market
We compare across providers - not a single carrier.
Always free
Insurers pay a regulated brokerage - never you.
Expat-focused
In English, cross-border aware, tailored to newcomers.
Cheap essentials
- Personal liability cover is inexpensive and often required by landlords
- Household contents cover protects against fire, water and theft
- Bundling both usually costs less than buying separately
- Check whether your policy travels with you across cantons
Start with the cheap essentials: liability & household
Personal liability (Privathaftpflicht) is required by almost every Swiss landlord before you get the keys. It typically costs around CHF 100-200 a year (as of 2025) and covers damage you accidentally cause to other people or their property - the classic being water damage to the flat below.
Household contents (Hausrat) covers your own belongings against fire, water and theft. Set the sum insured to the replacement value of everything you own, not what you'd get for it second-hand, and consider useful add-ons like simple theft away from home.
Income and family protection
- Swiss social insurance rarely replaces a full expat salary
- Disability is the risk most newcomers underestimate
- Term life cover can be tied to your mortgage or family needs
- Pillar 3b solutions can combine cover with saving
Protect your income and your family
Swiss pillar 1 (AHV/IV) and pillar 2 only replace part of your income if you die or can't work - often too little for families, single earners or the self-employed. The gap can quietly be very large, especially with a mortgage or young children.
Term life and disability (Erwerbsunfaehigkeit) cover close that gap. Because insurers ask health questions, applying while young and healthy is easier and cheaper - waiting usually costs more later, or means exclusions.
Legal protection
- Covers legal costs in tenancy, employment and traffic disputes
- Useful when contracts and proceedings are not in your language
- Waiting periods usually apply after signing
- Private and traffic modules can be taken separately
When a dispute lands on your desk
Rechtsschutz insurance covers lawyer and court costs - and often the other side's - in the disputes expats most commonly hit: tenancy (deposits, rent increases), employment (dismissal, unpaid wages), consumer and contract issues, and traffic. Most policies also include a legal helpline you can call before things escalate.
A combined private and traffic policy typically runs CHF 300-450 a year (as of 2025), with short waiting periods at the start - so it pays to set it up early, not once the conflict has begun.
Travel and overseas
- Basic health insurance covers emergencies abroad only in part
- Travel policies add repatriation, cancellation and luggage
- Longer postings abroad need international cover
- Check whether family members are included
Cover that travels with you
Your KVG basic insurance only covers emergency treatment abroad up to about twice the Swiss cost - fine within Europe with the EHIC on your card, but far too little in the US, Canada or parts of Asia, where bills run several times higher.
A travel policy or annual multi-trip plan closes the gap and adds what KVG never pays: medical repatriation, trip cancellation and lost luggage. If you travel often or keep close ties overseas, international private medical cover runs alongside your KVG for worldwide access.
Explore in detail
Personal liability & household
Privathaftpflicht and Hausrat - the basics every Swiss tenant needs.
Life & disability
Term life and Erwerbsunfaehigkeit cover for families and single earners.
Legal protection
Rechtsschutz for tenancy, employment, consumer and traffic disputes.
Travel & overseas
Travel insurance and international private medical cover beyond KVG.
Private insurance in Switzerland - common expat questions
Which insurances do I actually need as an expat in Switzerland?
Start with personal liability (landlords require it) and household contents. Add life and disability cover if you have a partner, children or a mortgage. Legal protection and travel/international health are worth it depending on your situation. We help you pick only what fits - and skip the rest.
Is personal liability insurance mandatory?
Not by federal law, but almost every Swiss landlord requires proof of it before handing over the keys. It is one of the cheapest policies on the market (as of 2025 roughly CHF 100-200 a year) and covers damage you accidentally cause to other people or their property.
Do I need household contents insurance (Hausrat)?
It's not legally required but strongly recommended. It covers your belongings against fire, water and theft. Set the sum insured to the replacement value of everything you own, and consider add-ons like simple theft away from home.
I have pillar 2 - do I still need life and disability cover?
Often yes. Swiss pillar 1 and pillar 2 replace only part of your income on death or disability, and rarely enough for families, single earners or the self-employed. Private term life and disability insurance close that gap. Because insurers ask health questions, applying while young and healthy is easier and cheaper.
Is legal protection insurance worth it?
For many expats, yes. It covers lawyer and court costs in tenancy, employment, consumer and traffic disputes - exactly where newcomers most often need help navigating Swiss procedure. A combined private and traffic policy typically costs CHF 300-450 a year (as of 2025).
Is your advice really free?
Yes. Both the comparison and the consultation are free and non-binding. We're an independent Swiss financial intermediary - if you take out a policy through us, the insurer pays a regulated brokerage fee, never you.
Get the right protection - without overpaying
Run the free check or book a 30-minute call. Whichever comes first, we'll take it from there.