We read the Swiss insurance contracts so you don't have to. We spot the traps sales agents won't mention. We match you with what you actually need — not what someone's trying to sell.

Free · 45 minutes · In English · With Robert or Hans

FINMA-registered independent advisor · Paid by insurers, not you · Zürich, since 2017

2,500+ expat households
advised since 2017

45 minutes with Robert. Free.

In English · With or

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We'll send you a short intake form so we understand your needs before we speak.

Your details

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Check your email for a calendar invite and a video call link.

Diagnostic

Here's what most expats miss.

Four things we see in almost every first consultation. Not because expats are uninformed — because these are the things that comparison sites and sales agents don't tell you.

The age-curve trap

Some supplementary plans are cheap at 32 and brutal at 55. A plan that costs CHF 180/month when you sign up can climb past CHF 680/month by the time you actually need it. We model the 20-year cost, not the signup price.

The three-month deadline

Swiss law requires every new resident to register for basic health insurance (KVG) within three months of arrival. Miss that window and you face a penalty surcharge — often as expensive as the premiums for the uncovered period — and your canton assigns you to an insurer. Most new arrivals don't realise the clock starts on their registration date, not their move-in date.

Coverage that pays vs. coverage that fights

Every insurer's brochure looks generous. The real question is which ones actually approve claims, and which ones turn a dental crown into a six-month case-manager dispute. We know which is which because we've filed claims with all of them.

We match coverage to your life

There are dozens of supplementary products — semi-private, private, dental, alternative medicine, worldwide cover. Not all of them fit every situation. We look at your actual needs, your plans, and your budget, and recommend only what makes sense for you. Sometimes that means fewer products than you expected. That's not cutting corners — it's precision.

Any of these sound like something you'd want a second opinion on?

See how a first review works

Case notes

Some of the people we've advised.

Three reviews from the last two years. First names only, shared with permission. Every number is the real number.

Priya

Dubai → Zürich, 2022

Priya arrived with the basic insurance her employer's HR had suggested. On review, her franchise was wrong for her usage, and she was one month from the end of the window to add supplementary coverage without a health check. We switched her basic plan and added supplementary before the deadline. She saved CHF 84/month on the change and kept her future options open.

"They spent forty minutes talking me out of switching to the plan I thought I wanted. It was the right call.

Illustrated portrait of Rohan and family

Rohan & family

Mumbai → Zürich, 2019

Four years in, two kids at the ICS, first house in prospect. Rohan was paying into a bank pillar 3a at 1.1% fees and unaware his canton allowed a second deduction for his wife's employer-sponsored plan. We moved the pillar 3a to a lower-fee option and filed the TOU recalculation for two prior tax years. The family recovered CHF 11,400 in overpaid tax.

"We thought tax was a solved problem. It turns out it was just an unreviewed one.

Lucía

Madrid → Zürich, 2018 · freelance, three currencies

Self-employed documentary producer with income in CHF, EUR and USD, and a UK-based pension from an earlier life. Her accountant was treating the UK pension as inaccessible; a comparison site had offered her the maximum supplementary plan. We restructured her 3rd pillar, kept her existing KVG basic, and connected her accountant with a cross-border specialist for the UK pot. Total extra coverage bought: none.

"The first time an insurance conversation has ever felt like a conversation.

We compare 11 Swiss health insurers — CSS, Helsana, Swica, Sanitas, Concordia, Atupri, Sympany, Visana, Assura, Groupe Mutuel, KPT. See the profiles

How a review works

What a first review looks like.

No quote at the door. No forms filled before we speak. The conversation runs in three beats, in this order.

We listen first

You tell us about your life. Where you're from, when you arrived, your job, your family, any plans — new baby, new home, eventually leaving Switzerland. Your current insurance if you have any. We don't quote anything yet.

We look for the traps

Age-curve exposure. Pre-existing condition windows. Employer defaults that fit the company, not you. Over-insurance that sales agents pushed. Under-insurance in places that matter. We compare all twelve Swiss insurers — not on brochure features — on how they'll actually behave in your specific situation.

We recommend. You decide

Usually two or three options. Sometimes the recommendation is "keep what you have" — that's a real outcome. If you want to switch, we handle the paperwork in German so you don't have to. If you don't, you still leave with a written summary you can keep.

45 minutes. By video or in our Zürich office. Free. No obligation to change anything.

Book your first Swiss insurance review

Why you can trust us

Independent by law, not by claim.

Comparison sites are paid by the insurers they feature. Captive brokers represent a single carrier. Neither of those is independent.

We are a FINMA-registered non-tied intermediary (F01067278) — a specific legal status: we have no exclusive arrangements with any insurer, and we're supervised by the Swiss financial regulator.

We're paid a regulated commission by the insurer after you sign a policy, disclosed to you in every consultation. Our commission is a percentage, which means we have no incentive to sell you more than you need, and no incentive to sell you the most expensive product.

We have one incentive: place you well, so you stay with us, and we review your coverage every October for as long as you're our client.

Verify our registration on the FINMA public register

The team

The people who'll review your situation.

Three specialists. You choose who you speak with. No call-centre routing, no rotating rep desk.

Robert Kolar

Health insurance

Over twenty years of experience reviewing Swiss basic and supplementary plans. Speaks German and English. Has personally navigated the Swiss system from the outside in.

Book with Robert

Hans Steiner

Pension · Tax · Life insurance

Certified Financial Planner IAF & Federal Diploma of Higher Education. Speaks German, English, French. Specializes in 3rd pillar and cross-border situations for clients with income in more than one country.

Book with Hans

Benjamin Amos Wagner

Founder

Built Expat Savvy to bridge Swiss financial complexity and the international community. Speaks German and English. Writes the guides.

Book with Benjamin

What clients say.

4.8 from 51 reviews on Google

After several bad experiences with other brokers, working with Mr. Robert Kolar was a completely different experience.

Dragos H.2026

Illustrated portrait of a Scandinavian client.

Robert is the best person to partner with if you need to do difficult things such as relocate.

E. Burke-Murphy2026

Illustrated portrait of an American client.

Illustrated portrait of a South Asian client.

My session with Robert was one of the most efficient consultation sessions I'd ever had.

Milad F.2025

Illustrated portrait of a Slavic client.

I was looking to change a supplementary insurance plan, and Robert guided me with professionalism and patience.

Diana M.2025

After returning to Switzerland from abroad, Robert was a tremendous help consulting me about all the changes.

Steven2025

Highly recommend consulting Expat Savvy before making any online insurance comparisons.

Zendaya B.2025

Illustrated portrait of an East Asian client.

Illustrated portrait of a Central European client.

Working with Ben was great. Very prompt and responsive. Would highly recommend to anyone.

Michele2025

Illustrated portrait of a Latin American client.

Ready for a calm conversation about Swiss insurance?

A first review is free, 45 minutes, in English, with Robert or Hans. We'll listen first. We'll tell you what we'd do in your situation. You decide what happens next.