If you are moving your main place of residence to Switzerland, Helvetia will greet you with a special welcome offer: the «Helvetia welcome package for newcomers». You will already have the personal third-party liability insurance – that you need to sign a rental contract – plus household contents insurance and a basic legal expenses insurance.
These are federally recognised social health insurance institutions. This mandatory insurance pays medical expenses (hospital and out-patient treatment) due to illness, and due to accident as well for unemployed insured persons.
Mandatory liability insurance provides coverage to the insured person for property damage and bodily injury to third parties caused by the insured vehicle.
This covers your vehicle against theft, fire, natural forces (such as storm damage, hail and high water), glass breakage, collision with animals, vandalism and damage by martens. Supplementing partially comprehensive cover, comprehensive cover insures you in the event of collision damage to your own vehicle which is your fault.
Private liability insurance insures you against legal liability claims by third parties. You are thus covered if you inadvertently damage the property of a third party or injure another person – whether during sports, as an animal owner, as a tenant or a cyclist.
Household contents insurance covers movables in your household; for example, in the event of fire or water damage, damage caused by natural forces, theft and glass breakage.
Valuables insurance offers additional security for the particularly valuable objects in your household. It ideally complements your household contents insurance, as it covers risks of damage, destruction, loss and disappearance.
Residential property is a high-value financial asset that is exposed to many external influences holding unforeseeable risks. Buildings insurance covers the financial consequences of damage to buildings. Do not bear such an incalculable risk on your own. Should third parties suffer damage due to defects to your property, buildings liability insurance covers claims by the damaged parties and protects you from financial consequences.
If you are unable to travel, have to cut short your travels, miss a seminar or your car breaks down: Assistance insurance helps you deal with unforeseen situations.
Civil and traffic lawsuits are increasingly frequent in courts. Without insurance coverage, you can expect high solicitor fees and court costs. These are covered by the legal protection insurance.
It is never too early to think of a secure future. With our pension solutions, you obtain financial security by making provision for your retirement whilst saving on taxes.