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2027 review season. Most supplementary contracts must be cancelled by 30 September, basic insurance by 30 November. We read both — and only move what should move. Supplementary by 30 Sep · basic by 30 Nov.

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The people who read the Swiss insurance contracts.

Expat Savvy is your personal insurance advisor in Switzerland, for internationals: independent, in Zürich, in English — we read the contracts, point out the traps, and recommend only what your life needs.

Book your first Swiss insurance review

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

in Swiss health insurance since
2005
Expat Savvy, founded
2017
registered via Lang & Partner GmbH
FINMA
from 60 Google reviews
4.8
  • Illustrated portrait of Robert Kolar

    Robert Health

  • Illustrated portrait of Nicole Bohne

    Nicole Life & pension

  • Illustrated portrait of Ben Wagner

    Ben Founder

  • Illustrated portrait of Virginie Josten

    Virginie International

  • Illustrated portrait of Davide Nezel

    Davide International

  • Illustrated portrait of Chantal Leprêtre

    Chantal International

Our story

From 2005 to today.

Expat Savvy grew out of one career in Swiss health insurance — and out of the sales pressure it was built to refuse.

  1. 2005

    Into Swiss health insurance

    Ben Wagner starts in Swiss health insurance, on the consultancy side and the distribution side. He sees the work from the inside: the contracts, the underwriting, the commission model — and the sales pressure.

  2. 2011

    ExpatCare

    Ben builds ExpatCare, one of the first practices focused on expats.

  3. 2017

    Expat Savvy, in Zürich

    Ben founds Expat Savvy: a personal insurance advisor for internationals in Switzerland, not tied to any insurer, and built to refuse that sales pressure.

  4. Today

    A team, the indices, and every review in writing

    Robert (health) and Nicole (life, 3rd pillar, tax) run the reviews, and three colleagues cover international health insurance. We publish our homework as indices, and every review ends in a written Private Client Report within 3 working days.

    3,500+
    expat households advised since 2017
    1,134
    bookings came through the Expat Savvy homepage in 2025
    769
    clients were set up through our advisory process in 2025
    143
    end-of-year health-insurance switches were handled in 2025
What we do

All your insurance, one advisor.

A life in Switzerland rests on five layers of cover — from the flat you rent to the pension you will draw. One advisor reads all five in one review.

  • Household & liability

    Household insurance (Hausrat) replaces what you own if it burns, floods or is stolen; personal liability (Privathaftpflicht) pays for damage you cause to others.

    Household & liability, in full

  • Basic health

    Basic health insurance (KVG) is mandatory for everyone who lives here and identical at every insurer by law — so the model, the deductible and your premium region decide what you pay.

    All 11 insurers, ranked

  • Supplementary

    Supplementary insurance (VVG) adds a semi-private or private room, your choice of doctor, dental and treatment abroad — where contracts genuinely differ, and all of it underwritten.

    What supplementary actually buys

  • Income, life & family

    Replaces income while illness keeps you from working, and protects a partner, children or a mortgage where IV and your pension fund fall short.

    Life & income cover, in full

  • 3rd pillar & pension

    Your own savings on top of AHV and your pension fund — what you pay into pillar 3a comes off your taxable income each year.

    The 3rd pillar, in full

  • One overview, every year

    All your policies in one overview. Each autumn we read them again against the new premiums and your life, and contact you when something should change. Reviews are always free — this year and every year.

    How a review works

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. — Expat Savvy
Independent

Independent, by law.

Expat Savvy is the brand under which Lang & Partner GmbH serves international clients in Switzerland — a FINMA-registered independent insurance intermediary (FINMA register F01067278), based in Zürich, in operation since 2017. We are not tied to any insurer. The regulatory frame for that distinction is documented at our Article 45 VAG disclosure.

We work with internationals settling in Switzerland — a deliberately narrow brief. That runs from individual households to employers and relocation partners offering the review as a staff benefit, and to private clients and family offices whose insurance sits inside a wider wealth picture. We do not serve every demographic, every insurance product, or every canton with equal depth. The longer answer to what an independent Swiss insurance advisor is, and how we differ from tied agents and comparison portals, sits in the positioning piece. German-speaking Swiss-local households who want the same standard in German are served by our sister brand, ThatDay.

On the register

  • Lang & Partner GmbH
  • Ungebundener Versicherungsvermittler
  • Talacker 41, 8001 Zürich
  • FINMA-registered
  • F01067278

Article 45 VAG disclosure

The team

The team.

Your first review is with Robert (health) or Nicole (life, 3rd pillar, tax); the booking flow shows availability per advisor by topic. Ben founded the practice, and three colleagues cover international health insurance.

Illustrated portrait of Robert Kolar

Robert Kolar

Health insurance

20+ years in Swiss insurance. Reads supplementary contracts line by line.

Languages German · English · Czech

More about Robert Book your first review with Robert

Illustrated portrait of Nicole Bohne

Nicole Bohne

Life, 3rd pillar & tax

FINMA F01536402. Former Basler and Zurich Insurance specialist. Life insurance, insurance-wrapped 3a, tax.

Languages German · English · French

More about Nicole Book your first review with Nicole

Illustrated portrait of Ben Wagner

Ben Wagner

Founder

In Swiss health insurance since 2005; built ExpatCare in 2011 and founded Expat Savvy in 2017. Also runs Loaded AG.

Languages German · English · Russian

More about Ben

International health insurance

  • Illustrated portrait of Virginie Josten

    Virginie Josten

    International health insurance

    A Swiss insurer's international desk before this — cross-border employees, expats and retirees abroad. Legal training and a master's from Paris Dauphine. English, French.

  • Illustrated portrait of Davide Nezel

    Davide Nezel

    International health insurance

    FINMA-certified independent intermediary, with a background in financial advice. Globally mobile households, and the insurer coordination when a medical need actually arises. German, French, English.

  • Illustrated portrait of Chantal Leprêtre

    Chantal Leprêtre

    International health insurance

    Client advice for internationally mobile households. English, French. Her fuller biography follows shortly — until it does, this card carries only what we can stand behind.

Who refers us

Relocation agencies that send us their clients.

Independent relocation firms in Switzerland who know our work, and route their international clients to us when the conversation turns to insurance.

For relocation agencies, employers and service firms — the partner page

Our network

The rest of arriving, in good hands.

Insurance is one part of a move to Switzerland. For the other parts, these are the sites of our own network and the specialists we send clients to.

Our international side

expatsavvy.com

The same team, the same company. expatsavvy.com covers international health insurance (IPMI) for globally mobile clients who live outside Switzerland; expat-savvy.ch, this site, covers Switzerland.

  • Relocation agencies

    relofinder.ch

    For the relocation logistics — moving company, school search, registration paperwork — we use relofinder.ch to match clients with the right agency.

  • Off-market flats

    offlist.ch

    For housing, offlist.ch lists off-market rentals in Zürich, Zug and Geneva — built for executives and expats arriving without a local network.

  • Relocation services

    expat-services.ch

    For end-to-end relocation services beyond the agency search itself, expat-services.ch runs the same kind of independent matching for relocation that we run for insurance.

  • International & IPMI

    sip.ch

    For international coverage specifically — IPMI plans, executive worldwide cover, short-term-assignee policies — we work with SIP Medical Family Office, who specialise in this segment where Swiss-domestic advisors typically don’t.

    How we work with SIP

What clients say

In their own words.

4.8 from 60 reviews on Google. Four of them, in full.

★★★★★

I was a bit lost with all the administrative procedures after moving to Switzerland, especially regarding my health insurance situation. Nicole took the time to understand my case and explain everything very clearly. She answered all my questions, explained the legal aspects and gave me practical advice on how to move forward. What I appreciated the most is that she was trying to help me solve my problem, not simply sell me an insurance policy.

Thomas P. 2026 · Google review · about Nicole

★★★★★

My session with Robert — without a doubt — was one of the most efficient consultation sessions I'd ever had. He is honest, straightforward and transparent from the outset. He knows the insurance industry inside out. He helped me with my situation without any reservation. You confide to him within minutes into the session and take his honest and unbiased advice.

Milad F. 2025 · Google review · about Robert

★★★★★

Robert is the best person to partner with if you need to do difficult things such as relocate and navigate the complications of healthcare insurance in Switzerland. Robert went beyond what was expected and in a very caring way making sure that we had a really good arrival in Switzerland.

E. Burke-Murphy 2026 · Google review · about Robert

★★★★★

Extremely helpful and knowledgeable consultation in all facets of current health insurance offerings. Highly recommend consulting Expat Savvy before making any online insurance comparisons.

Zendaya B. 2025 · Google review
Where to find us

Zürich, or wherever you are.

The office

Talacker 41, 8001 Zürich. In person on request. Find us on Google Maps

By video

Reviews are by video call by default: 45 minutes, in English, from wherever you are.

By phone or message

+41 76 364 88 88 · WhatsApp · hello@expat-savvy.ch

Want a 45-minute independent read of your Swiss insurance picture?

No obligation. No first-call contracts. We say "stay" more often than "switch."

Book your first Swiss insurance review