Independent, professional, and free advice tailored for expats moving to or living in Switzerland. Secure your health coverage with Robert Kolar, the trust architect for international professionals.
Lead Expat Health Advisor
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No obligation · 15 min · Free
Tailored pathways designed for your specific journey in Switzerland.
Just arrived or planning your move? We handle everything from your mandatory KVG registration to choosing the right supplemental coverage for international living.
Already in Switzerland but paying too much? We analyze your current policy and find potential savings of up to CHF 1,200/year without sacrificing quality.
Swiss insurance is divided into two parts. Mandatory basic coverage (KVG) and optional supplemental coverage (VVG). For expats, the difference is crucial.
Most expats overpay for KVG by choosing the wrong franchise. We help you calculate the sweet spot between premium and risk.
Scope
Standardized benefits across all providers. Focused on essential care.
Scope
Customizable benefits. Choice of doctor, private rooms, and dental.
Pricing
Based on age group, region, and franchise model only.
Pricing
Risk-based assessment. Health questionnaire required.
Expat Focus
Basic emergency care abroad. Often requires 3rd party add-ons.
Expat Focus
Global coverage, English support hotlines, and travel insurance included.
Robert Kolar has spent over 15 years bridging the gap between complex Swiss regulations and the needs of the international community. As a FINMA-certified advisor, his loyalty lies with the client, not the insurance conglomerate.
5k+
Expats Advised
15+
Years Experience
Every new resident in Switzerland has exactly three months to register for mandatory health insurance (KVG). While you are covered retroactively from your first day of residence, failing to register within the timeframe can lead to penalty surcharges and a limited choice of providers.
The "Franchise" is your annual deductible. In Switzerland, these range from CHF 300 to CHF 2,500 for adults. A common mistake for healthy expats is choosing a middle-ground franchise. Usually, only the minimum or the maximum make financial sense depending on your expected medical usage.
You can reduce your premiums by choosing a specific primary care model: