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Ratgeber obligatorische Versicherungen in der Schweiz

Which types of insurance are compulsory in Switzerland?

Different countries – different insurance? Helvetia explains what insurance is compulsory in Switzerland and what is optional but strongly recommended.

Compulsory insurance

Third party liability

To register a vehicle in Switzerland you need a vehicle insurance certificate from a Swiss insurance company. Vehicle liability insurance covers damage you cause with your vehicle to vehicles belonging to third parties, to other people or to their property. For all-round protection it is worth taking out a partially or fully comprehensive policy to provide additional cover. This also applies to motorcyclists.
Go to car insurance

Health insurance

Health insurance is a legal requirement in Switzerland. If you have just moved to Switzerland you have three months to register with a health insurance company. Health insurance covers the costs of consultations with doctors, medication and hospital visits.
Go to health insurance

Accident insurance

If you work in Switzerland, you are usually covered by your employer's insurance for occupational and non-occupational accidents. If you work less than eight hours a week, you will have to incorporate accident insurance into your compulsory health insurance policy.
Go to accident insurance

Optional insurance, that everyone should have

Household contents insurance

Household contents insurance is not compulsory in Switzerland, but is strongly recommended. Whether it be water damage, a fire in the home or a break-in – household contents insurance covers you for the loss incurred.
The advantages for you
Financial cover for your items if they are damaged
Go to household contents insurance

Personal liability insurance

Personal liability insurance is not compulsory, but in Switzerland it is one of the most important types of insurances to have in place. It covers yourself and your family against minor acts of carelessness with major financial consequences.
Your advantage
Financial protection for any damage you cause to other people or their property
Go to personal liability

Buildings insurance

Buildings insurance is compulsory for property owners in most cantons and must be taken out via the canton. However, this insurance does not provide cover for all types of damage, so it is worth taking out additional buildings insurance privately.
The advantages for you
All-round cover for your property
Go to buildings insurance
Helvetia Zuzügerversicherung

New to Switzerland?

Take advantage of our Welcome Package for expats. For the first three months, you will receive our private liability and household contents insurance from CHF 1.- per day.
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