Public and para-public entities operate under strict procurement rules.
When insurance contracts reach renewal, the process must follow transparent and compliant public tender procedures — often complex and time-sensitive.
We assist institutions throughout every stage of the tender: from defining requirements and drafting technical documents, to evaluating offers and ensuring regulatory compliance under Swiss public procurement law.
Our role is to simplify and professionalize the public insurance tender process.
We help you:
Define insurance needs and risk parameters clearly
Prepare and publish complete tender documentation
Analyze and compare insurer offers objectively
Ensure full compliance with applicable legal frameworks
Implement the selected solution seamlessly with your administration
Beyond tenders, we remain available to support ongoing contract management and communication with insurers.
Our process guarantees transparency, efficiency, and neutrality — key values for any public institution.
Many institutions face the same challenge: insurance contracts renewed for years without competitive review, exposing them to unnecessary costs or compliance risks.
Our case studies highlight how a well-managed tender process can generate measurable savings, strengthen legal conformity, and reassure both management and auditors.
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