2027 review season. Two different deadlines: 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.
Your international hires arrive into a system they don't know — and the ones with a medical history arrive into a supplementary market that underwrites against them. Give every household a free 45-minute review with a FINMA-registered advisor, and group access where health questions ease or fall away.
Direct answer
The benefit
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
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
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. For relocating staff with pre-existing conditions, that solves the problem we see most.
Eligibility and scope depend on the specific agreement — confirmed per program.
01 · Why this exists
Swiss basic insurance accepts everyone by law. Supplementary insurance doesn't — it's individually underwritten, and relocating employees with pre-existing conditions run into it at the worst possible moment: mid-move, mid-onboarding, before anyone told them the rules.
Pre-existing conditions meet individual underwriting — and lose.
The number-one issue in our conversations with relocating employees, year after year.01
A managed condition, a past treatment, regular medication — normal life for a meaningful share of any workforce.
02
Individual applications (Art. 4 VVG) can answer with exclusions, surcharges, or rejection — on exactly the cover professionals expect, like semi-private hospital insurance.
03
A declined application becomes part of the record every later insurer asks about. Unadvised, people apply in the wrong order — or too late.
04
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, where the group is eligible.
02 · Who offers it
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.
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.
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.
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.
03 · The mechanics
No software, no integration, no contract binding the company. Most programs are live within days of the first conversation.
Audience, languages, timing, and whether your group qualifies for collective-agreement access. We set up a dedicated booking route for your people.
We provide a short introduction for HR or the program owner to share. Employees book directly — no lists to manage, no chasing.
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.
Households return yearly for a refresh — premium rounds, family changes, canton moves. The benefit keeps working long after onboarding ends.
What clients say.
4.8 from 57 reviews on GoogleShe assisted and guided me through the entire process of obtaining my Swiss pension refund.
What I appreciated the most is that she was trying to help me solve my problem, not simply sell me an insurance policy.
After several bad experiences with other brokers, working with Mr. Robert Kolar was a completely different experience.
Robert is the best person to partner with if you need to do difficult things such as relocate.
My session with Robert was one of the most efficient consultation sessions I'd ever had.
I was looking to change a supplementary insurance plan, and Robert guided me with professionalism and patience.
After returning to Switzerland from abroad, Robert was a tremendous help consulting me about all the changes.
Highly recommend consulting Expat Savvy before making any online insurance comparisons.
Working with Ben was great. Very prompt and responsive. Would highly recommend to anyone.
Beide arbeiten Hand in Hand und haben die individuellen Anforderungen unserer Kunden immer im Blick.
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 programOr write directly: hello@expat-savvy.ch
