How-to in Switzerland — read properly. Then book the review.
Step-by-step guides covering Swiss health insurance setup, switching, supplementary architecture, pension and 3a tax planning, family additions, canton moves, relocation logistics, and advisor selection. Each guide ends with the 45-minute review — Robert on insurance, Nicole on pension.
45 minutes with Robert. Free.
In English · With or
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For new arrivals.
Where to start when you've just landed — registration, deadlines, the first 90 days.
- 01 Relocate to Switzerland — full checklist First-90-days sequence: registration, banking, housing, school, taxes, insurance. → Robert
- 02 How to set up Swiss health insurance 3-month deadline (Art. 3 KVG), four architecture levers, year-1 IPV manual route. → Robert
- 03 Find a relocation agency Selection criteria + the relofinder.ch matching path. Insurance separate from logistics. → Robert
- 04 What insurance you need — and what you can skip Mandatory, needed when renting, optional — with the law behind each. → Robert
- 05 Swiss insurance deadlines + legal requirements 4 federal deadlines: Art. 3, 7, 7§2, Art. 4 VVG. → Robert
Health insurance.
The procedural questions we field most often — picking, switching, optimising, registering family.
- 01 How to choose health insurance in Switzerland Five decisions in order: model, deductible break-even (CHF 2,011), insurer by region, accident cover, supplementary. → Robert
- 02 How to change Swiss health insurance 30 November cancellation cycle + Art. 7 §2 extraordinary right + don't-touch-supplementary rule. → Robert
- 03 Choose your Franchise (deductible) Six federal tiers (Art. 93 KVV); usage-band match; family-cap (Art. 64 §4) interaction. → Robert
- 04 Find the right Swiss health insurance Federal benefits identical (Art. 25 KVG); four differentiators decide right-for-you fit. → Robert
- 05 Find an independent insurance advisor Art. 45 VAG framework; FINMA register verification; tied vs independent distinction. → Robert
- 06 Change your insurance model Standard, Hausarzt, HMO, Telmed — verify the network before committing. → Robert
- 07 Add family members to Swiss health insurance Newborn 90-day window; children's Franchise tiers; family cap (Art. 64 §4 KVG). → Robert
- 08 Alternative therapies coverage on Swiss insurance Art. 35 KVG (5 physician methods on basic) + EMR/ASCA framework on supplementary. → Robert
- 09 Apply for the premium subsidy (IPV) Cantonal subsidy under Art. 65 KVG; year-1 manual application route. → Robert
- 10 Gym + fitness coverage on Swiss insurance Qualitop/fitparc-certified gyms; CHF 200–500/year prevention contribution. → Robert
- 11 What changes when moving cantons Art. 4 KVG free choice + address-change notification + premium re-rating. → Robert
- 12 Navigate Swiss supplementary with a pre-existing condition Art. 4 VVG underwriting; clean window; multi-insurer simultaneous application. → Robert
Pension and tax.
Where the bigger levers actually live — 3rd pillar and cantonal tax optimisation.
The guides are free. The review is the work.
The how-to guides cover the federal-law mechanics + the architecture decisions. The 45-minute review applies them to your specific household — your canton, your age, your existing coverage, your year ahead. Free, in English, with Robert (insurance) or Nicole (pension). We say stay over switch in most cases.
Book your first Swiss insurance review