Small and mid-sized companies face the same insurance complexities as large corporations — but with fewer internal resources.
We support business owners and HR managers in structuring health, accident, and pension coverage that fits their scale, protects their teams, and keeps costs under control.
Our role is to simplify decisions, handle negotiations with insurers, and ensure every policy is both compliant and efficient.
We assist Swiss SMEs in creating solid, transparent insurance foundations that grow with their business.
Our expertise covers group health and accident plans, loss-of-income protection, and pension coordination.
By analyzing existing coverage and benchmarking alternatives, we help companies reduce unnecessary premiums and improve employee benefits — without administrative burden.
Our approach emphasizes clarity, efficiency, and long-term value.
Every recommendation is independent and based on your company’s exact situation, ensuring the right balance between protection and cost.
Each business operates differently, but the challenges are often the same: unclear coverage, rising premiums, or inconsistent protection for staff.
Our case studies show how tailored consulting helps Swiss SMEs gain control, transparency, and measurable savings while maintaining strong employee coverage.
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.
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