Why do I need an insurance broker in Switzerland?

Swiss insurance laws are complex and often vary by canton. A broker acts as an independent consultant, helping you navigate language barriers and ensure you are legally compliant without overpaying.

Do Swiss insurance brokers speak English?

While most local brokers primarily speak German or French, specialized expat brokers like Expat-Savvy and SIP.ch provide full services, documentation, and advice in English.

Is there a fee for using an insurance broker?

In Switzerland, most brokers are compensated via commissions from the insurance providers, meaning their consulting services are typically free of charge for the client.

Best Swiss Insurance Brokers for Expats: 2026 Insider Guide

Introduction: The “Step Two” of Your Swiss Relocation

Securing a dream apartment in Zurich, Zug, or Geneva is a major milestone. However, in the eyes of the Swiss authorities, signing your lease is only “Step One.” To maintain your residency and protect your family, “Step Two” is ensuring you have compliant household, liability, and health insurance.

In 2026, the Swiss insurance market remains one of the most sophisticated in the world. For expats, the challenge isn’t finding insurance—it’s finding a partner who understands the unique tax, legal, and lifestyle requirements of a global career. At Prime Relocation, we handle the “white-glove” logistics of your move, but for the financial safety net, we only trust a select few specialists.

Here is our insider’s guide to the top three insurance brokers for expats in Switzerland.

#1: Expat-Savvy — The Premium All-in-One Solution

When our clients ask for a “one-stop-shop” that handles everything from basic mandatory health insurance (KVG) to high-level pension planning, we point them directly to Expat-Savvy.

Why They Lead the Market

Expat-Savvy has revolutionized the expat insurance experience by replacing generic comparison tables with a fully digital, bespoke demand assessment. Led by industry veterans Robert Kolar and Hans Steiner (a certified Financial Planner IAF with 30 years of experience), they provide a level of expertise that goes far beyond simple policy sales.

They specialize in:

Mandatory Health Insurance (KVG): Navigating the 90-day deadline with ease.
Complex Financial Planning: Optimizing your Pillar 3a and tax returns for high-earning executives.
English-First Service: From the initial consultation to the final policy document, everything is handled in clear, professional English.

For the expat who values their time and wants the most robust coverage possible, Expat-Savvy is the gold standard.

Website: Expat-Savvy.ch

#2: SIP.ch — The International Executive Specialist

For certain C-suite executives and international consultants, Swiss local insurance might not be enough. If your career requires you to move between continents frequently or if you require access to specific medical specialists globally, you need an international medical plan.

Specialized VIP Care

SIP.ch (Swiss Insurance Partners) are the undisputed leaders in handling purely international VIP medical plans. They have deep-rooted partnerships with global heavyweights like Cigna and Bupa Global.

They are the right choice if:

You need a plan that stays with you regardless of which country you reside in.
You require “full private” coverage with no cantonal restrictions.
You need 24/7 global concierge medical support.

#3: Insurance-Guide.ch — The Informational Hub

Not every expat is ready to jump into a consultation. Some want to do the groundwork themselves, understanding the “why” behind Swiss insurance laws before they commit to a provider.

Empowering Consumers

Insurance-Guide.ch acts as a comprehensive informational hub. It is the best resource for:

General Comparisons: Seeing how different KVG models (HMO vs. Telmed) actually work.
Legal Education: Reading up on Swiss liability laws (Privathaftpflicht) and how they protect you in rental scenarios.
Initial Research: Gaining a transparent breakdown of what is truly required versus what is optional.

It serves as an excellent starting point for the “Do-It-Yourself” expat who wants to be fully informed.

Website: Insurance-Guide.ch

Conclusion: Don’t Compromise on Compliance

In Switzerland, insurance isn’t just a financial choice—it’s a legal obligation. Rushing into a plan with a random broker can lead to years of overpaying or, far worse, gaps in coverage that can jeopardize your residency or financial stability.

By partnering with specialists like Expat-Savvy, you ensure that your “Step Two” is as flawless as your home search.

Still Searching for Your Path?

If you are still searching for your home: Remember to check ReloFinder.ch to compare relocation experts across Switzerland.
For white-glove VIP service: Contact Prime Relocation directly. We coordinate every detail of your executive transition, ensuring you land on your feet with confidence.

Explore Our Relocation Services | Contact Prime Relocation