Bienvenue sur notre blog, où nous partageons des conseils, des actualités et des analyses sur le monde de l’assurance et de la prévoyance. Que vous soyez un particulier, un indépendant, une PME ou une grande entreprise, vous trouverez ici des informations utiles pour mieux comprendre vos besoins et les solutions disponibles.
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.
An expatriate was approached by an online broker promoting a “tax-saving” life insurance plan.
The offer combined risk and savings components — but because he planned to stay in Switzerland only eight years, he would have lost around CHF 16,000 in unrecoverable costs.
After reviewing the policy, we arranged a pure life insurance solution that met his needs precisely — protecting both his capital and his peace of mind.
A couple in their forties had a well-structured health insurance plan — except for one overlooked detail: long-term pricing.
Their insurer’s premiums increased sharply with age, which would have cost them nearly CHF 400,000 more over their lifetime.
By switching to a provider with capped age-based pricing, we secured lasting protection and major long-term savings, proving that true optimization comes from planning ahead.
A family relocating to Switzerland faced repeated rejections from insurers due to their daughter’s pre-existing medical condition.
By carefully restructuring their file, consolidating medical information, and presenting the case as a complete family package, we obtained full acceptance and comprehensive supplementary coverage.
This ensured seamless protection from day one — a result few insurers would have granted under normal circumstances.