Sample Private Client Report · Health Insurance · 2026
Your family's health cover, arranged.
Complete private-ward protection for all four, from arrival day.
Dear Daniel and Sofia, thank you for the time you gave me last week. This report sets out the cover I recommend for your family and the reasoning behind every part of it. Nothing in it will be a surprise from our conversation.
It is arranged in nine short chapters: your situation, how each decision was made, the options side by side, and what every family member pays. Read it through in about ten minutes, or open the contents and jump straight to the part that interests you. Both insurer offers are attached at the end, and you can reach me directly at any point.
In short
Take the recommended setup for all four family members, effective from your arrival date of 1 September 2026: basic cover on the telemedicine model, CHF 2,500 deductible for you and Sofia, CHF 0 for the children, with outpatient, children's dental and private hospital supplementary cover throughout.
- 4 persons covered
- Private ward
- No gap in cover
Your situation
A family of four, new to Zug.
The Hartmann family — Daniel (born 1987), Sofia (born 1990) and their two children, Lina (2018) and Noah (2021) — are relocating from Munich to Switzerland, with an official arrival date of 1 September 2026. Their new home will be in Baar, canton Zug.
You told me three things mattered: that the children never wait for a specialist, that a hospital stay would not mean a shared four-bed room, and that the monthly figure stays predictable while Sofia is not yet working. Everything below is built around those three points.
This is an illustrative sample report. The structure, depth and reasoning are exactly what a real client receives; the family and the figures are representative.
Our consultation
What mattered most to you.
In our call we walked through how the Swiss system actually splits: the mandatory basic cover (KVG), which is identical by law at every insurer, and the supplementary cover (VVG), which is where the real differences — and the health questions — sit.
You asked whether it was worth taking supplementary cover at all. My answer was yes, but for one specific reason: supplementary cover requires medical underwriting, and both children are young and healthy today. Taking it on arrival locks in acceptance. Waiting three years does not.
We also agreed to keep the adults on a CHF 2,500 deductible and the children at CHF 0 — the arithmetic behind that is below.
How we evaluated this
Every choice made deliberately.
Four factors decided this recommendation. None of them is "the cheapest premium" — that number moves every year, and switching basic cover later is straightforward. What is not straightforward is being accepted for supplementary cover later.
Insurability first
Supplementary cover is medically underwritten. Both adults and both children are healthy today, so acceptance is near-certain now. This is the one decision that is genuinely hard to reverse, so it drives everything else.
Deductible arithmetic
For the adults, the CHF 2,500 deductible saves roughly CHF 1,100 a year against the CHF 300 option. That gap is larger than the extra risk you carry, given no ongoing treatment. For children the premium difference is small, so CHF 0 is the rational choice.
Access, not prestige
Private ward is often sold as comfort. The practical value is different: free choice of doctor, faster access to specialists, and treatment anywhere in Switzerland rather than only your canton — which matters most for the children.
Predictable monthly cost
With Sofia not yet earning, the family budget matters. The recommended structure holds the total under CHF 1,200 a month while keeping full private-ward access.
Why we proposed this
Why this, for you.
Each choice tied back to what you told me mattered.
Private hospital cover for all four
You said a shared room during a serious illness was not acceptable, and that specialist waiting times worried you most for the children. Private ward addresses both — and taking it now, while everyone is healthy, is what makes it obtainable at all.
CHF 2,500 deductible for the adults
Neither of you has ongoing treatment. The CHF 1,100 saved per year is a certain gain against an uncertain risk you can comfortably carry.
CHF 0 deductible for Lina and Noah
With young children the doctor visits are frequent and unpredictable. The premium difference is small; the peace of mind is not.
Children's dental supplementary
Orthodontics is the one large, near-certain cost ahead of you. Cover taken before any treatment is proposed is cover that pays.
The comparison
Side by side, line by line.
| Standard setup | Recommended setup | |
|---|---|---|
| Basic cover (KVG) | ||
| ModelThe basic cover is identical by law; only the access model and price differ. | Standard (free doctor choice) | Telemedicine: first call to a doctor by phone |
| Adult deductibleThe higher deductible is the single biggest lever on the monthly premium. | CHF 300 | CHF 2,500 |
| Children's deductibleThe premium saving on a child's higher deductible is small; the downside is not. | CHF 600 | CHF 0 |
| Supplementary (VVG) | ||
| OutpatientCovers glasses, prescribed fitness, vaccinations, and treatment abroad. | Not included | Included |
| Children's dentalOrthodontics for two children is the single largest predictable cost of the next decade. | Not included | Up to 75%, CHF 15,000 lifetime |
| Hospital wardDecides your room, your choice of doctor, and where in Switzerland you can be treated. | General ward, own canton | Private ward, all Switzerland |
| Worldwide emergencyYou will travel to Germany regularly; basic cover pays limited amounts abroad. | Limited | Included, unlimited |
Basic cover (KVG)
The basic cover is identical by law; only the access model and price differ.
The higher deductible is the single biggest lever on the monthly premium.
The premium saving on a child's higher deductible is small; the downside is not.
Supplementary (VVG)
Covers glasses, prescribed fitness, vaccinations, and treatment abroad.
Orthodontics for two children is the single largest predictable cost of the next decade.
Decides your room, your choice of doctor, and where in Switzerland you can be treated.
You will travel to Germany regularly; basic cover pays limited amounts abroad.
Cost at a glance
Your monthly investment.
What the recommended setup costs, per person and for the household.
Member by member
What each premium covers.
The monthly figure for every family member, broken down by component.
- Basic (KVG): Telemedicine, CHF 2,500 deductibleCHF 308.40
- Outpatient supplementary (VVG)CHF 48.60
- Hospital Private (VVG)CHF 75.10
- TotalCHF 432.10
- Basic (KVG): Telemedicine, CHF 2,500 deductibleCHF 308.40
- Outpatient supplementary (VVG)CHF 52.15
- Hospital Private (VVG)CHF 87.80
- TotalCHF 448.35
- Basic (KVG): Standard, CHF 0 deductibleCHF 104.20
- Outpatient + dental (VVG)CHF 28.45
- Hospital Private (VVG)CHF 18.20
- TotalCHF 150.85
- Basic (KVG): Standard, CHF 0 deductibleCHF 104.20
- Outpatient + dental (VVG)CHF 23.20
- Hospital Private (VVG)CHF 18.20
- TotalCHF 145.60
Hospital cover, explained
Three tiers, one right choice for you.
Hospital cover decides three things: which room you are in, whether you choose your doctor, and where in Switzerland you may be treated. It is the part of supplementary cover that is hardest to add later, because it is fully underwritten.
General
Shared room, usually four beds. Treatment by the doctor on duty, in your canton of residence. Fully covered by basic insurance — no supplementary cover needed.
Semi-private
Two-bed room, treatment by a senior physician, free hospital choice across Switzerland. A middle path that covers most of the practical benefit.
Private
Single room, treatment by the head physician, free hospital choice across Switzerland, and the fastest specialist access. Recommended here because of the children and your regular travel.
My recommendation
Complete cover, held under CHF 1,200.
Take the recommended setup for all four family members, effective from your arrival date of 1 September 2026: basic cover on the telemedicine model, CHF 2,500 deductible for you and Sofia, CHF 0 for the children, with outpatient, children's dental and private hospital supplementary cover throughout.
The total lands at CHF 1,177 a month for the household — complete private-ward protection, full outpatient and children's dental cover, and predictable while Sofia is not yet earning.
The reason to do this now rather than later is not price. It is that supplementary cover is medically underwritten. Today, all four of you would be accepted without exclusions. That is a door which is open on arrival and can close quietly at any point afterwards — a single diagnosis is enough. The basic cover can always be optimised later; the supplementary cover realistically cannot.
— Robert Kolar
Your documents
Your offers, ready.
Next steps
What happens next.
Book the call below. We go through the applications together and settle anything still open.
I prepare every application, you sign, and I handle the insurer and the cancellation timing.
Premiums are confirmed by the insurer and the cover runs from your arrival date, with no gap.
Ready to proceed
Book the call where we set it up.
Thirty minutes with Robert. We go through the applications together, adjust anything you want changed, and submit them. Times shown in your Swiss time zone.
Select a day
Available days are highlighted in the calendar.
Prepared by Robert Kolar, Expat Savvy, 1 August 2026. Figures are taken from the offers provided and may change; final premiums are confirmed by the insurer at application. Expat Savvy is a registered insurance intermediary (FINMA F01536402). This document is informational and not a binding offer.