Insurance

Insurances in Switzerland
You can just insure anything in Switzerland! Insurance companies will possibly try to sell you as many as possible, however, the following insurances are either most important in order to protect your and your family’s responsibilities, as well as your belongings, or mandatory.

Swiss Flats Team can assist you to find the best insurance offer in:

– Civil Responsibility, Liability Insurance known as RC (highly recommended)
This insurance covers the dammages you do involuntary in the apartment.
The personal liability module covers claims for personal injury and property damage that are filed privately against you or members of your family.
These include loss and damage for which you are responsible, whether in your capacity as a homeowner, tenant, subtenant, pet owner or during sports activities.
Coverage is also provided for defending yourself against unjustified claims.

Supplementary insurances
You can tailor your liability insurance by selecting different additional modules, including for instance:
Internet legal protection
Horse rentals, hunting, model planes, kite boarding, Para gliding

– Household Insurance, Known as Assurance Ménage (recommended)
This insurance covers the dammages caused by others against you
Your household contents are insured against fire, theft and water damage.
Household contents include all personal movable property (including digitally acquired data such as songs, e-books, etc.) that belongs to you or your family members who share the same household.
This also includes items that are leased or rented, items you have been entrusted with, and items that guests have brought to your home.

Usually, your belongings are not just insured at home, but also when you travel and take possessions along with you anywhere in the world.
If you move home within Switzerland, you are usually also covered during the moving process.

– Legal Protection (recommended)
Sadly, disputes all too often end up in court, despite the parties’ efforts to reach an out-of-court settlement.
Costs that are covered:
– Cost of legal proceedings Lawyer’s fees.
– Compensation for proceedings Expert opinions.
You can now also cover Internet risks.

– ECA (Fire, explosions) (Mandatory)
The Establishment Cantonal d’Assurance (ECA) was born in 1811. Since always, human communities have united
against the ravages of fire and those caused by natural forces.
The insurance system of the ECA and its monopoly status is unique in Europe. It is practiced in 18 other cantons, based on solidarity and mutuality.
Facts:
2/3 of the premiums you pay are used to compensate victims of fire or natural damage by enabling them to rehabilitate their damaged property or to replace them with the same quality goods.
The remaining 1/3 of your insurance premium allows the ECA to strengthen the security of the population and businesses through active prevention measures. It also serves to finance equipment and training for fire services, management of central alarms processing firefighters (118) and the establishment of more effective aid.
Fire:
Fire, lightning strikes, explosions, …
Natural elements:
Flooding due to natural phenomena, hurricanes (storms), hail, the rockslides and rock falls, landslides, avalanches, excessive weight and slippage of the snow

— Health Insurance (The basic is mandatory)

Health Insurance – Basic (mandatory)

Who needs it: Anyone living in Switzerland, by law. New arrivals have 3 months to get it, before risking problems.

Covers: What does mandatory health insurance cover?

Mandatory health insurance provides cover for illness, maternity and accidents and offers all insureds the same range of benefits. Insurance providers must treat insureds equally, making no distinction according to their state of health or indicators of their health. This applies particularly to acceptance, the choice of insurance type and reimbursement of benefits. It doesn’t cover (among other things) damages from accidents & dental care.

To learn more about Health Insurance please visit the web site of the Swiss Government

Please download this PDF file where you can find answers to some questions

Health Insurance – Complementary

Covers: You can get complementary health insurance for nearly anything out there.
Popular complementary insurances include:

– Choose your own Hospital

– Get private room in Hospital (instead of room with 3-4 other people)

– Get world-wide coverage

– Dental care

Stopping Complementary Insurance: Contracts are signed for 1-5 years (depending on the company), and can only be broken when finished or when you leave Switzerland. So read the fine print!

Can an insurer refuse to insure you?
Yes. Insurers will look at your health record before deciding if to take you on as a Complementary Health client.

Accident Insurance (recommended, mandatory for working people):

Who needs it: Recommended for everyone. If you work more than 8 hours / week, then by law your company has to get & pay it for you (you’ll see it in your monthly salary slip).

Covers : Health costs / damages caused to you by accidents, on or off work.

Typical monthly premium: CHF 30-50 (for adults age 25-35).

Switching Accident insurer: Like Basic Health, you can switch Accident Insurance only at the end of each calendar year, if you inform your insurance by Nov 30 of your wish. Your new insurer will be happy to help you with the process…(-:

Where to find us

Swiss Flats
Chemin de Longeraie 4
1006 Lausanne
Switzerland