expat-savvy.ch Switzerland

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Schweiz
Zürich
expat-savvy.ch Switzerland

Expat-savvy is at your service to be your most reliable insurance broker through Switzerland.

Whether you are not sure if you have your best healthcare insurance rate, looking for an affordable household insurance, or you have difficulty deciding on the best expats insurance policy for you and your loved ones – you’ll have an answer at the palm of our hand at all times.

03/08/2026

Every insurer sells basic health insurance differently. The coverage is identical.

Federal law fixes what KVG covers — your insurer cannot add to it or subtract from it. What you actually choose is: your premium, your Franchise (deductible), your model (standard, Telmed, HMO), and whether the admin desk picks up the phone.

That's it. Four levers. Not twenty.

We see expats spend hours comparing benefit tables that are, by law, the same table. We'd rather spend that time matching your Franchise to how you actually use healthcare — and building the rest of the structure around that.

Book your first Swiss insurance review — free, 45 minutes, in English. No pressure. No follow-up sales calls. https://expat-savvy.ch/book

02/08/2026

An advisor tied to one insurer has one answer. We have none to protect.

That's what independent actually means in Swiss insurance. Not "we compare prices online." It means we can tell you the product doesn't suit you — and mean it. It means we'll recommend fewer products if fewer is right. It means the advice doesn't change depending on which insurer pays the higher commission.

Switching insurer is one lever. The architecture of your coverage is something else. We work on the architecture.

Book your first Swiss insurance review — free, 45 minutes, in English. No quote at the door. No pressure. No follow-up sales calls. Book via the link in bio or at expat-savvy.ch/book.

02/08/2026

An advisor tied to one insurer has one answer before you ask the question.

We don't.

Independent means the plan comes first — which products, which insurer, which model — and the shortlist is built from that. Sometimes it means fewer products than you expected. Sometimes it means staying exactly where you are.

Restrained advice is still advice. A sales agent's incentive runs in one direction. Ours runs toward the structure that fits you.

No quote at the door. No pressure. No follow-up sales calls.

Book your first Swiss insurance review — free, 45 minutes, in English — at expat-savvy.ch/book (link in bio on Instagram).

01/08/2026

You land in Switzerland. The clock starts immediately.

Art. 3 KVG gives you three months to register for basic health insurance. Miss that window and your cover is backdated — premiums owed from day one, no gap in liability, but no choice of insurer or model either. The canton assigns one for you.

The brochure you find online says 'you have time'. The law says the deadline runs from your arrival date, not your registration at the Gemeinde.

Three months feels generous. It disappears in flat-hunting and paperwork.

Book your first Swiss insurance review — free, 45 minutes, in English. We'll set the structure before the deadline matters. No pressure. No follow-up sales calls.

Book at expat-savvy.ch/book (link in bio on Instagram).

01/08/2026

You have three months. That's it.

Art. 3 KVG gives you 90 days from arrival in Switzerland to register for basic health insurance. Miss the window and the canton assigns you a provider — not the one you'd have chosen.

The brochure says 'you'll figure it out once you're settled.' The law says the clock is already running.

Basic KVG is identical by law, whichever insurer you choose. The real decisions — Franchise level, model, supplementary cover — are worth getting right from day one, not correcting later.

Book your first Swiss insurance review — free, 45 minutes, in English. No pressure. No follow-up sales calls. You decide what happens next.

Book via the link in bio or at expat-savvy.ch/book

15/07/2026

The Swiss state pension system is designed to replace roughly 60% of your income. The rest is yours to arrange.

Most expats discover this gap late — after years of contributions, not before them.

The 3rd pillar (3a) exists precisely for this. Annual contributions reduce your taxable income today and build the bridge for later. The architecture is simple. The timing matters.

We help you model how much gap you actually have, which 3a wrapper fits your situation, and what the Canton Zürich tax saving looks like in real terms.

Book your first Swiss insurance review — free, 45 minutes, in English. No quote at the door. No pressure. No follow-up sales calls.

Book with Nicole (pension & tax) at expat-savvy.ch/book

14/07/2026

Supplementary insurance doesn't have to accept you.

Basic cover (KVG) does — by federal law, every applicant, no questions asked. Supplementary (VVG) is different. It underwrites. It can exclude a condition, add a surcharge, or decline you outright — based on your health history at the time you apply.

The brochure says 'comprehensive cover'. The contract says 'pre-existing condition excluded'.

This is why the moment to get supplementary right is before you need it — ideally before a diagnosis, before a procedure, before the window quietly closes.

We review what you have, what you've missed, and what's still available to you.

Book your first Swiss insurance review — free, 45 minutes, in English. No pressure. No follow-up sales calls. https://expat-savvy.ch/book

13/07/2026

Every Swiss insurer charges a different premium for the same basic coverage. That part is a real choice. The benefits aren't. Federal law sets what KVG covers — every insurer, identical. What you're actually choosing is premium level, deductible (Franchise), care model (HMO, Telmed, standard), and how well the admin team answers the phone. That's the architecture. We help you optimise those four levers — and stop there. No upsell pressure, no surprise products. Book your first Swiss insurance review — free, 45 minutes, in English. https://expat-savvy.ch/book

12/07/2026

When an advisor is tied to an insurer, the best product for you and the best product for their commission are sometimes the same thing. Sometimes they aren't.

We're not tied to anyone. No insurer pays us to recommend them over another. That changes what we're willing to say — including "you don't need that" or "what you have is actually fine."

Restraint is harder to sell than a new product. We think it's more useful.

First Swiss insurance review — free, 45 minutes, in English. No quote at the door. No follow-up sales calls. Book at expat-savvy.ch/book (link in bio on Instagram).

11/07/2026

You land in Switzerland. The clock starts immediately.

Art. 3 KVG gives you three months from arrival to register for Swiss basic health insurance. Miss the deadline and the insurer can backdate your cover — and your premiums — to day one anyway. You pay either way. The only difference is whether you chose the right plan.

The first three months are the window to build the structure correctly: right model, right Franchise, right supplementary before underwriting closes doors.

Book your first Swiss insurance review — free, 45 minutes, in English. No quote at the door. No pressure. No follow-up sales calls.

Book via the link in bio or at expat-savvy.ch/book.

Adresse

Zürich

Telefon

+41791552570

Webseite

https://linktr.ee/expatsavvy

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