You enjoy life, we take care of your financial security. As an independent insurance broker, we work with you to analyse your personal situation and find a solution tailored to your needs, from health insurance to pension provision and protecting your home. To find out more about the different types of insurance, read our article on personal, property and asset insurance for private individuals.
Personal advice from certified insurance experts
Individual risk analyses instead of standard solutions
Independent market comparisons
Long-term management and support for your insurance portfolio
Personal insurance protects you and your family against the financial consequences of illness, disability or death. Together with our experts, you analyse your personal situation and determine which areas of cover are relevant to you, so that your protection is tailored to your needs and built to last.
Rising premiums raise plenty of questions for policyholders: is mandatory basic health insurance enough, or does supplementary cover make sense? As an independent insurance broker, we review your current cover, compare premiums and benefits across different health insurers, and show you the solutions that suit your personal situation. This helps you avoid gaps in cover and unnecessary costs.
Whether it is term life insurance, protection in the event of incapacity to earn, or pillar 3 pension solutions, life insurance comes in many forms and can be complex. Our experts review your personal situation and show you how to best protect your loved ones, your income and your pension provision. Advice is free of charge and non-binding.
Sound pension provision is the foundation of your financial security in old age, and in the event of disability or death. Our experts show you how the different building blocks of pension provision fit together and help you identify any gaps early on, so they can be closed in a targeted way.
Sound pension advice gives you clarity about your financial security in old age, and in the event of disability or death. Our certified experts analyse your current pension situation, identify any potential gaps, and develop individual solutions tailored to your life plans and goals.
Switzerland’s pension system is based on the three-pillar principle, which forms the foundation of your financial security. State pension provision (OASI/DI), occupational pension provision BVG (OPA) and private pension provision (pillar 3a and 3b) work together. We help you align these three pillars sensibly and identify any pension gaps at an early stage.
Whether at your home, at one of our offices, or at a location of your choice: you decide where and when your consultation takes place. Enjoy personal, individually tailored advice.
Up-to-date pension figures are essential for making well-informed decisions. Our free key figures card brings together all the relevant figures at a glance, such as the maximum pillar 3a contribution, the BVG (OPA) entry threshold, or the coordination deduction. Handy to download and keep for reference.
Property insurance protects you against the financial consequences of everyday damage, whether at home or while out and about. Our experts advise you individually and make sure your cover matches your circumstances, with no gaps and no unnecessary extras.
A small mishap can quickly lead to high costs. Personal liability insurance protects you against claims for damages from third parties, while motor vehicle liability insurance is mandatory in Switzerland. We help you choose the right liability cover for your needs.
Protecting your property calls for a careful assessment of your needs. Depending on the canton, building insurance is either mandatory (cantonal building insurance) or optional. We show you sensible levels of cover and possible add-ons, for example against natural hazards such as hail or storms, or against glass breakage.
Third-party liability, partial cover or fully comprehensive? The right choice depends on the value of your vehicle and your personal appetite for risk. We compare offers and show you the solution that suits your vehicle and your situation.
Whether travelling within Switzerland or abroad, travel insurance protects you against unexpected costs from cancellations, accidents or repatriation. We show you the cover that suits the way you travel.
Competent support is essential in the event of a dispute. Depending on the scope of cover, legal protection insurance can cover legal and court costs and support you in everyday disputes, on the road, or in matters relating to your home. We show you which level of cover makes sense for your situation.
It is not only businesses that are targeted by cybercrime, private individuals are too: phishing, data loss caused by malware, or identity theft can lead to high costs. Personal cyber insurance can, for example, cover the cost of removing malware or provide legal support in cases of data misuse. Our experts show you which level of protection suits your digital life.
With an insurance mandate, we represent your interests with insurance companies, regularly review your existing policies, and support you in the event of a claim. You benefit from a clear overview, specialist expertise and less administrative burden. Request the mandate form, fill it in completely and send it to the Union Swiss Brokers Holding AG office or intermediary of your choice.
Is mandatory basic health insurance enough on its own?
Basic health insurance covers essential medical care. Whether supplementary insurance makes sense depends on your personal situation, for example whether you need additional benefits such as free choice of hospital or dental treatment. We assess this individually for you.
Is building insurance mandatory in Switzerland?
This depends on the canton. Many cantons have a mandatory cantonal building insurance scheme, while in others it is optional. We clarify which rules apply at your location.
What is the difference between partial and fully comprehensive cover?
Partial cover (third party, fire and theft) covers events such as theft, glass breakage or natural hazards. Fully comprehensive cover additionally covers accidental damage to your own vehicle that you are responsible for. The right choice depends on the value of your vehicle and your personal need for security.
What does legal protection insurance cover?
Depending on the scope chosen, legal protection insurance covers legal and court costs, for example in disputes relating to traffic, tenancy, or everyday life. We show you which level of cover suits your situation.
Why choose an insurance broker instead of going directly to an insurer?
An independent insurance broker compares offers from different insurance companies and supports you in choosing the right solution. Unlike a single insurer, their advice is not limited to their own range of products.
Our certified insurance experts provide competent, comprehensive advice.
