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Are you emigrating? You need these insurances
If you want to emigrate to Switzerland, you should think about insurance at an early stage. The right cover is crucial for a successful new start. Here you will find an overview of the most important insurance policies for emigrants to Switzerland.
Table of contents
1. health insurance - compulsory and optional
Health insurance is compulsory in Switzerland. You must take out basic insurance within three months of moving to Switzerland. This covers medical treatment in the event of illness, accident and maternity. Premiums vary depending on your place of residence, age and insurance model.
2. personal liability insurance - protection against financial risks
Although personal liability insurance is not compulsory, it is highly recommended. It protects you against the financial consequences if you unintentionally cause damage to third parties - for example in the event of an accident in your rented flat or in everyday life.
3. household contents insurance - security for your property
With household contents insurance, you protect your belongings against damage caused by fire, water, theft or vandalism. Especially when moving to Switzerland, it makes sense to determine the value of your household contents and insure them accordingly.
4. legal expenses insurance - support in the event of a dispute
A legal dispute can quickly become expensive. Legal expenses insurance covers the costs of lawyers, court proceedings and expert opinions in various areas such as labour law, tenancy law or traffic law.
5. car insurance - compulsory for car owners
If you bring your car to Switzerland, you need third-party liability insurance. This is required by law and covers damage that you cause to others with your vehicle. Depending on your needs, you can also take out partially or fully comprehensive insurance.
6. retirement provision - utilising the 3rd pillar
Private pension provision, known as the 3rd pillar, supplements the state (1st pillar) and occupational pension provision (2nd pillar) in Switzerland. With pillar 3a, you can save for old age with tax relief and also protect yourself against disability or death.
Conclusion
Careful planning of your insurance is essential when emigrating to Switzerland. Find out about the legal requirements early on and choose the insurance policies that suit your personal situation. This will ensure that you are optimally covered in your new home country.
Sebastian Deitert
Author & Founder Deine3a
Do you have any questions?
You want to emigrate to Switzerland? We are here for you. Our consultations are free of charge. You can reach us via the contact form or drop by for a coffee in Zurich.
