Introducing an insurance-based column written by insurance expert and founder of Primea Group GmbH – Ritesh Sood.
Know the system and begin with these four simple steps to ensure you’re best insured.
- Franchise: Adjust your yearly deductibles, the so-called ‘franchise’ in your basic insurance according to your medical needs. Accidents are covered through your employer. Doctor’s visits, medicines, transportation costs and hospital needs are covered under franchise if a disease and not an accident cause them.
Choose between CHF 300, CHF 500, CHF 1,000, CHF 1,500, CHF 2,000, CHF 2,500 for adults and between CHF 0 and CHF 600 for children until they reach the age of 18. Remember, there is a CHF 120 difference between the lowest and highest franchise (when multiplied by 12 months, the minimum franchise will cost you an extra CHF 1440).
After reaching your yearly franchise, there is one more deductible, i.e.: 10 % of every bill that you have to pay yourself until you reach the maximum of CHF 700 (yearly) Then, finally your insurance will pay the whole amount for demanded and needed treatments.
Basic insurance options vary depending on the region/canton you are living in and the demographic view of the insurance itself (for example, how many doctors they have partnered with, how many hospitals etc.) Often people simply have the wrong insurance provider in the city they are living.
Let us check your situation and forecast the premium development based on the interim numbers and statistics of the insurance provider. Then, get referred to the best solutions (you can always choose between many offers).
- Tax benefits: Clearly, there are ways to save on taxes. Sign up for a third pillar insurance. You can deduct up to CHF 6,826 from your taxes yearly. Most important usage is that you will reach your retirement goal. There is an obligation to pay the amount yearly if you choose an insurance solution. Problem with the bank is, once you stop paying, you will not reach your pension goal. Third pillar through insurance also makes sure that even if there is a case of invalidity and unemployment because of a disease or accident, insurance will pay itself so that the client reaches the goal.
Get the right advice and benefit from our expertise.
- Supplementary health insurance: Adjust your extra insurance to the actual needs you have. There is a huge saving potential, plus a big benefit if you insure yourself just based on the services you need.
We work with 60 insurance providers and know which of them specialises in which services.
- Household and car insurance: 95% of people who went to get advice at Primea had been paying about 20% too much for their household insurances and car insurances. Clients going to insurance providers directly are not able to get the full discount. Hence, it is recommended that you turn to the expert advisors.
Get your free consulting by simply contacting me, Ritesh Sood – Primea Group. Remember to tell us how you heard about us! We work with every insurance company directly and offer neutral consulting. Contact: firstname.lastname@example.org or 0763924852.
DISCLAIMER: All views, advice, facts, etc. reflected in this article are solely those of the writer. Opinions expressed belong solely to the content provider. Namaste Switzerland does not advocate or undertake any financial/reputational/legal/misrepresentational impact or other obligations/ liabilities that may arise from the content.
Disclaimer: Opinions expressed belong solely to the content provider. Namaste Switzerland does not undertake any financial/reputational/legal/misrepresentational impact or other obligations/ liabilities that may arise from the content.