Article 45 VAG disclosure.

Mandatory disclosure under the Swiss Insurance Supervision Act (VAG)

The Expat Savvy platform connects users with professional insurance advisors. To ensure full compliance and transparency regarding insurance intermediation in Switzerland, please read the following mandatory customer information.

1. Identity and contact details.

Insurance advisory and brokerage services resulting from inquiries on this platform are handled by:

Lang + Partner Finanzdienstleistungen GmbH
Roosstrasse 53, 8832 Wollerau SZ, Switzerland
Ungebundener Versicherungsvermittler (independent insurance broker)
Registered with the Swiss Financial Market Supervisory Authority (FINMA).
FINMA Register: F01067278

Advice with Nicole Bohne is handled by:

Vision Bohne
Zeughausstrasse 7B, 3250 Lyss, Switzerland
Ungebundener Versicherungsvermittler (independent insurance broker)
Registered with the Swiss Financial Market Supervisory Authority (FINMA).
FINMA Register: F01536404 (Nicole Bohne: F01536402)

2. Broker independence.

Lang + Partner Finanzdienstleistungen GmbH and Vision Bohne act as independent (ungebundene) insurance brokers. This means they are not tied to any single insurance company by exclusivity agreements and can objectively compare and recommend products across the Swiss market that best fit your specific needs as an expat.

3. Role of Loaded AG.

Loaded AG (Schlatt TG, Switzerland) operates the expat-savvy.ch website as a marketing and educational portal. Loaded AG is not a regulated insurance broker in Switzerland and does not perform advisory functions. They merely facilitate the technical transmission of your request to Lang + Partner Finanzdienstleistungen GmbH or Vision Bohne.

4. Liability and complaints.

In the context of Swiss insurance brokering, Lang + Partner Finanzdienstleistungen GmbH maintains full professional liability coverage as required by FINMA. For any errors, omissions, or complaints relating directly to the insurance advice provided, Lang + Partner Finanzdienstleistungen GmbH takes full responsibility. For advice provided through Vision Bohne, Vision Bohne is responsible; please address any complaint about that advice to Vision Bohne at the address above.

5. Data privacy in advising.

When you submit a consultation request, your data is securely handled in accordance with the Swiss Federal Act on Data Protection (FADP) to fulfil the advisory mandate.

6. Remuneration.

The consultation is free for you. If a contract is issued through us, the insurer pays a commission to the advising firm (Lang + Partner Finanzdienstleistungen GmbH, or Vision Bohne for advice with Nicole Bohne). The commission is already included in the premium: you pay the same with or without us.

In basic health insurance (KVG), the commission is capped at CHF 70 per insured person. In supplementary health insurance (VVG), it is capped at 16 monthly premiums per product. For other insurance, such as life insurance or insurance-wrapped pillar 3a, the insurer also pays a commission when a contract is issued. We earn nothing on banking 3a.

We disclose the amount that applies to your case on request, in the review and before you sign.