Whether you are a global organization managing employee benefits, a local company or a private client navigating Switzerland’s complex insurance system, our mission is to simplify decisions, secure the right coverage, and optimize long-term costs.
We combine strategic insight, independence, and personal guidance to deliver measurable value—quietly, precisely, and efficiently.
Navigating Switzerland’s insurance system can be complex — especially for expatriates, executives, and global organizations managing international teams.
We specialize in simplifying that complexity.
As an independent consulting firm, we advise private clients and companies on health, accident, and benefits solutions tailored to Swiss regulations and global mobility needs.
Our approach combines precision, discretion, and strategic understanding — ensuring every client, from individual professionals to senior executives, receives seamless, compliant, and cost-efficient coverage.
Key figures
Over a decade of cross-border insurance expertise
Hundreds of expatriates and international professionals advised each year
Trusted by global companies for employee benefits and relocation programs
Relocating to or living in Switzerland comes with unique insurance requirements — from health and accident coverage to pension coordination and wealth protection. Our role is to make these decisions effortless and transparent.
We analyze your needs, compare leading Swiss insurers, and structure comprehensive solutions that combine optimal coverage with long-term cost efficiency. Whether you are newly arrived, changing employers, or planning for the future, we ensure your insurance aligns perfectly with your life and goals.
Businesses operating in Switzerland — whether local, growing, or global — face a complex insurance environment. We help organizations of every size structure employee benefits, accident, and health programs that balance protection, compliance, and cost efficiency.
Our independent approach allows us to advise objectively, integrating seamlessly with HR teams, finance departments, and mobility programs. From start-ups and Swiss SMEs to multinational headquarters, we deliver clarity, discretion, and measurable results.
Every engagement tells a story — of clarity, structure, and confidence restored.
We work quietly behind the scenes to simplify insurance decisions for individuals, executives, and organizations. Below are a few examples of how tailored consulting and independent negotiation created tangible value for our clients.
Enjoy our last case studies below
A company’s loss of income insurance (indemnités journalières maladie) faced a 15% premium increase due to high claim volumes.
We reviewed each open claim, identified over-provisioned cases, and negotiated directly with the insurer.
After clarifying the real exposure, the increase was reduced to 10%, saving the company thousands while preserving full coverage and a transparent partnership with the insurer.
After a corporate split, a large Swiss company continued to insure all employees under SUVA.
We identified that administrative and HR roles were not legally SUVA-mandatory and transferred them to private coverage — maintaining the same protection at a lower cost.
The company now saves several thousand francs per year, all while remaining fully compliant with Swiss accident insurance law.
A multinational relocating employees to Switzerland faced delays and inconsistencies in health insurance onboarding.
We negotiated a corporate framework granting automatic acceptance for all new hires and their families, semi-private coverage, and no maternity waiting period — all at no cost to the employer.
The result: seamless onboarding, equal benefits for all, and reduced administrative effort for HR.
We work with every major Swiss insurer, but represent only our clients. Our recommendations are fully objective and built around your best interest.
Each solution is tailored through detailed analysis of coverage, cost, and compliance. We simplify complex regulations into clear, actionable strategies.
We value discretion, continuity, and long-term relationships built on trust.
From local professionals to international corporations, we understand the unique challenges of mobility, benefits, and Swiss law.
Whether you represent a company, manage a relocation program, or simply want to optimize your personal coverage, we’ll guide you through the right solution, discreetly and efficiently.
joachim@j-merillat.com
+41 79 936 41 95