Whether newly arrived or long established, choosing the right insurance can be complex. We simplify it — helping you protect what matters while avoiding unnecessary costs.
Our process is built for efficiency, precision, and peace of mind. Each stage — from discovery to implementation — follows a proven framework that minimizes delays and ensures every client receives clear answers, accurate comparisons, and seamless execution. Behind the simplicity lies a meticulous system designed to save time and eliminate uncertainty.
Step 1 — Discovery
We begin by understanding your situation, priorities, and objectives.
This first conversation allows us to identify your exact needs and define a clear strategy.
Step 2 — Analysis
We compare leading Swiss insurers, review coverage options, and highlight gaps or overlaps.
Our goal: complete clarity before any decision is made.
Step 3 — Implementation
Once the plan is defined, we coordinate directly with insurers and handle all administration.
You receive a complete, compliant setup — with follow-up support whenever needed.
We compare and structure both basic and supplementary health coverage, ensuring the right balance between benefits, flexibility, and cost.
From cars and homes to valuables and travel, we provide clear, optimized solutions that protect what matters without unnecessary extras.
Tailored plans that secure your income, family, and long-term stability in the event of illness, accident, or loss of life.
Business, legal, travel, or high-value asset protection — we design individual solutions for unique requirements and international lifestyles.
Every client’s situation is unique — but the challenges are often similar: complexity, confusion, and unnecessary cost. These examples illustrate how a structured, independent approach can transform uncertainty into clarity. Our role is simple: to understand, simplify, and deliver the right protection — quickly, precisely, and without compromise.
Enjoy our last case studies below.
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.
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
079 936 41 95