Individuals
Individuals: all your personal insurance, from mandatory to useful
Health insurer, pensions, liability: every cover explained with its legal basis and savings levers.
Updated 5 September 2026 · Information drawn from official legal texts (fedlex.admin.ch), the Federal Office of Public Health (FOPH) and Swiss federal data.
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Health
LAMal · mandatory
Basic insurance
Deductibles CHF 300–2,500, alternative models, co-payment: the mandatory layer decoded.
Learn more →LAMal
Switch health insurer
30 November deadline, template letter, savings levers: the full guide.
Learn more →LCA · optional
Supplementary health
Private ward, dental, glasses, alternative medicine: worth it or not?
Learn more →Cantonal
Premium subsidies
Every canton has its own scales. Check your eligibility in 2 minutes.
Learn more →International
Cross-border & newcomers
Right of option, 3-month window, retroactive cover: avoid the traps.
Learn more →Pensions, the 3 pillars
Pillar 2
LPP, occupational pension
Reading your certificate, vested benefits, tax-deductible buy-ins.
Learn more →Everyday & family
Near-essential
Private liability & household
Damage to others and your belongings, usually required by landlords.
Learn more →Mandatory with a car
Vehicle: liability, partial or full casco
What the law requires, and what depends on your car’s value.
Learn more →Depends on situation
Life & death insurance
Protect your family or secure your mortgage: when it makes sense.
Learn more →