The insurance review as an employee benefit.
Your international hires arrive into a system they don't know — a three-month deadline, identical basic cover at every insurer, supplementary decisions to make in a second language. Give every household a free 45-minute review with a FINMA-registered advisor, and, for employees of a participating company, group access where health questions ease or fall away.
From Benjamin Amos Wagner, founder · FINMA F01067278 · Programs run by the whole advisory team · Last updated 30 August 2026
The benefit, in three facts.
The benefit
A free insurance review for every household.
45 minutes, in English, German, or French, with a FINMA-registered advisor — setup or optimisation of health, accident, supplementary, and pension questions, ending in a written Private Client Report.
The cost
Free for them. Nothing for you.
No program fee, no per-seat cost, no software. We are paid by commission from insurers when a contract is issued, disclosed under Art. 45 VAG — and most reviews end with the advice to keep what’s there.
The difference
Group access where health questions ease or fall away.
Collective agreements with selected insurers give eligible groups supplementary cover on group conditions — discounts of up to 15% on supplementary premiums, and simplified or, in defined cases, waived health questions. Available to employees of a participating company through their employer — not to individuals applying on their own.
Eligibility and scope depend on the specific agreement — confirmed per program.
The problem we see constantly.
Swiss basic insurance accepts everyone by law and is identical at every insurer. What relocating employees run into is the timing and the choices around it — a three-month deadline, model and deductible, supplementary decisions — at the busiest moment of a move, before anyone told them the rules.
Three months to decide, in a system nobody explained.
The one deadline every relocating household shares.01
The employee arrives mid-move
Registration, housing, school, a new job — and a health-insurance system nobody has explained yet.
02
Basic is identical — the choices are not
Basic benefits are the same at every insurer by law (Art. 25 KVG); premium, model and deductible differ. Supplementary cover is optional and individually underwritten (Art. 4 VVG).
03
The deadline is quiet
Foreign nationals insure within three months of registering with the commune (Art. 7 KVV); insured on time, cover runs from registration.
04
The structural fix is group access
Collective agreements can offer supplementary cover with discounts of up to 15% and simplified — in defined cases waived — health questions. That's what a program unlocks for employees of an eligible group, through their employer.
Three ways to run the same benefit.
The mechanics never change — a dedicated booking route, reviews in English, German, or French, a written report per household. Who offers it does. And the model is proven: relocating employees from many international companies already reach us this way, through the relocation partners we work with.
Employers & HR
The employee benefit
For companies relocating or hiring international staff. Insurance is the arrival topic HR gets asked about most and can help with least — this hands it to a regulated specialist, in the employee's language, at no cost to either side.
Relocation & mobility
The arrival module
For relocation agencies and global-mobility teams: an insurance module inside your arrival package. This is not a new idea for us — through our relocation partners we already advise relocating employees from many international companies, season after season. Your clients get the setup done right in week one; you get a specialist partner who reports back nothing but a completed step.
Family offices & programs
The client benefit
For family offices and membership organisations offering the review to their client families — a discreet, FINMA-registered second pair of eyes on household insurance architecture, delivered under your program's name or ours.
How a program runs.
No software, no integration, no contract binding the company. Most programs are live within days of the first conversation.
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One conversation to scope it
Audience, languages, timing, and whether your group qualifies for collective-agreement access. We set up a dedicated booking route for your people.
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You announce, they book
We provide a short introduction for HR or the program owner to share. Employees book directly — no lists to manage, no chasing.
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Every household gets the full review
45 minutes with a FINMA-registered advisor: health setup or optimisation, accident coordination, franchise and model math, the supplementary question — and pension or life topics where they surface. Written Private Client Report within 3 working days.
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The benefit renews itself
Households return yearly for a refresh — premium rounds, family changes, canton moves. The benefit keeps working long after onboarding ends.
The ground rules
- Confidential — the company never sees household details
- Free for employees
- Paid via disclosed courtage, Art. 45 VAG
- Most reviews end with "keep what you have"
FAQ.
What does the employee benefit include?
What does it cost the company?
What is the collective-agreement advantage?
How does supplementary underwriting affect relocating employees?
Does the employer see the employee's insurance details?
Who can offer this as a benefit program?
In which languages do the reviews run?
How does a program start?
What clients say
★★★★★
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.
★★★★★
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.
★★★★★
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.
★★★★★
Extremely helpful and knowledgeable consultation in all facets of current health insurance offerings. Highly recommend consulting Expat Savvy before making any online insurance comparisons.
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★★★★★
I had an excellent experience working with Nicole Bohne. She assisted and guided me through the entire process of obtaining my Swiss pension refund, making what could have been a complicated process incredibly straightforward and stress-free. Nicole was always friendly, professional, knowledgeable, and extremely efficient. She kept me informed every step of the way, answered all my questions promptly, and ensured everything was handled smoothly from start to finish. I highly recommend Nicole and her company to anyone needing assistance with Swiss pension refunds or related services.
★★★★★
I highly recommend this office for all types of insurance. After having several bad experiences with other brokers, working with Mr. Robert Kolar was a completely different experience. He is incredibly professional, friendly, and solved my complex insurance problems in a timely manner. What I appreciated most was that he took all the time needed to make sure I truly understood my policies.
★★★★★
I had an excellent experience working with Robert. I was looking to change providers for one of my supplementary insurance plans, and he guided me through the process with professionalism, patience, and expertise. Thanks to his guidance, I was able to secure a policy that perfectly suits my needs.
★★★★★
After returning to Switzerland from abroad, Robert from Expat Savvy was a tremendous help consulting me about all the changes. He took the time to show me several options and definitely went the extra mile compared to other agents.
★★★★★
Working with Ben was great. Very prompt and responsive. Would highly recommend to anyone!
★★★★★
Benjamin überzeugt durch seine hervorragende Organisation und klare Kommunikation, Robert durch seine kompetente und ehrliche Beratung. Beide arbeiten Hand in Hand und haben die individuellen Anforderungen unserer Kunden immer im Blick — absolut empfehlenswert!
A benefit your people actually use.
One conversation to scope it, live within days, nothing to integrate. Tell us who your people are — we'll tell you what a program for them looks like.
Talk to us about a program