Background.
Robert is the insurance advisor and health insurance specialist at Expat Savvy, with 20+ years in Swiss insurance. The work is contract-reading, lever calculation, and the four-trap diagnostic — applied to households whose questions span basic insurance, supplementary outpatient and hospital, accident insurance, and the cluster of decisions that compound over decades.
The discipline of the work is reading the full contract — standard policy, supplementary conditions, exclusions, claim procedures, definitional clauses — before recommending. The brochure language and the claim-handling reality are different documents. Robert reads both.
We do not recommend insurers based on brochure language. We recommend based on what the contract says when the claim arrives. — Robert Kolar
What Robert works on.
Five families of question, run in 45-minute consultations. Each gets the same diagnostic: contract on screen, lever maths, four traps mapped to the household, written summary inside three working days.
Basic & cancellation
Insurer + Franchise + model decisions, the November 30 deadline mechanics, new-arrival 3-month registration.
VVG outpatient
Hospital, dental, complementary medicine, age-curve and underwriting cliff. Contract-read on screen.
Semi-private & private
SWICA Hospita, Helsana HOSPITAL, Sanitas Hospital Liberty — entry-age vs age-banded, network mapping.
UVG & UVG-Zusatz
BU + NBU status check, the 31-day Nachdeckung rule, salary-ceiling gap, voluntary self-employed affiliation.
Recent writing.
Three of Robert's most recent pieces. The full archive sits at the blog.
Languages.
Robert works in German and English at full pitch, plus Czech as a working language for Czech, Slovak, and broader Central European clients.
Get in touch.
A first review with Robert is free, in English (or German or Czech), by video call. Bring your policy schedules, the canton, any planned transitions. The mechanics of the call sit at what happens in your first review.