At insurance-guide.ch, we know that navigating Switzerland’s health insurance system can be overwhelming, especially for expats. That’s why we recommend Expat-Savvy.ch, a trusted health insurance broker that specializes in offering tailored consultations. Their personalized service goes beyond the basic price comparisons you’ll find on platforms like comparis.ch or priminfo.ch. Today, we’ll walk you through how a consultation with Expat-Savvy works, and why having a health insurance broker on your side can save you money while ensuring you have the best coverage.
When you reach out to a health insurance broker like Expat-Savvy, you’re not just getting a basic comparison of premiums—you’re getting a tailored consultation that considers your personal needs and preferences. Expat-Savvy’s process starts with a deep dive into your current insurance situation. They look at whether you’re fully covered for key areas like dental treatments, vision care, or private hospital access.
Unlike comparison websites that only focus on basic premiums, a health insurance broker like Expat-Savvy takes a comprehensive approach. They analyze both basic health insurance and supplementary coverage to find the best solution for your specific circumstances.
One of the first things a health insurance broker like Expat-Savvy does is compare your basic insurance premiums. This is a crucial step, especially since premiums can change significantly from year to year. For example, in a recent consultation, a client’s CSS premiums were set to rise by almost 15% for 2025. Expat-Savvy was able to help the client switch to Helsana, where their premiums were slightly lower, despite the increase in coverage.
Reviewing your basic insurance annually is essential to avoiding surprise hikes in premiums, and Expat-Savvy makes sure to keep clients updated on these changes.
While the basic insurance premiums are important, a health insurance broker like Expat-Savvy also ensures that clients get the most out of their supplementary insurance. In the example above, after reviewing both basic and supplementary insurance, the family saved over CHF 600 per year by switching to Helsana.
In addition to saving money, the family also upgraded their hospital coverage from semi-private to private. This allowed them full access to the best specialists and hospitals in Switzerland. Without the help of a health insurance broker, it’s easy to overlook the potential benefits of upgrading supplementary insurance. Expat-Savvy ensures clients get the coverage they need at the best possible price.
When dental care is a priority, it’s essential to work with a health insurance broker who can provide a thorough comparison of dental plans. This was the case with a recent client who was focused on getting the best coverage for their children’s braces.
Expat-Savvy compared the CSS MyFlex Balance plan to Helsana Completa + ProLife and found that Helsana offered significantly better dental coverage. While CSS only covered 50% of braces costs, Helsana provided 90% coverage with no annual cap. Over a 10-year period, this saved the family thousands of francs.
A health insurance broker like Expat-Savvy is invaluable for these kinds of in-depth comparisons, which ensure that you’re not only saving money but also getting the best possible coverage for your family.
One of the biggest advantages of using a health insurance broker is their ability to break down the full range of benefits for you. In the example above, Helsana Completa + Primeo didn’t just offer better dental coverage—it also provided superior benefits for hospital access, fitness reimbursements, vision care, and psychotherapy.
For example, Helsana provided private hospital access and up to CHF 500 per year in fitness reimbursements, compared to CSS, which offered lower benefits in these areas. A health insurance broker can help you understand these kinds of differences, ensuring you choose a plan that fits both your healthcare needs and your budget.
After working with Expat-Savvy, the clients were able to make a significant improvement to their health insurance. The most noticeable change was the upgrade from semi-private to private hospital coverage. With the new Helsana Completa + Primeo plan, they now have full access to private hospitals, which means they can choose top specialists and get faster, more personalized care.
In addition to the hospital upgrade, the clients also benefited from improved coverage in almost every area of their insurance:
Despite the improved coverage, the most remarkable outcome of the switch was that their overall premiums went down. By switching from CSS to Helsana, the family saved CHF 53.55 per month, which adds up to CHF 642.60 per year. This means they are paying less in premiums but getting far better coverage, especially with the upgrade to private hospital access.
This case is a great example of how working with a health insurance broker like Expat-Savvy can lead to both cost savings and better protection for your family. By understanding the client's needs and finding the right plan, Expat-Savvy helped this family secure better healthcare options without increasing their financial burden.
Expat-Savvy’s approach as a health insurance broker is client-centered, focusing on what matters most to you. Whether you need comprehensive dental care, better hospital access, or coverage for alternative medicine, they take the time to understand your needs and find the right plan for you.
A health insurance broker doesn’t just show you prices—they explain the benefits and help you make informed decisions that will save you money in the long run. Their expertise in the Swiss health insurance market means you get more than just a basic comparison: you get peace of mind knowing that you’re fully covered for whatever life throws at you.
If you’re ready to review your current health insurance or switch to a better plan, we highly recommend reaching out to Expat-Savvy. As a dedicated health insurance broker, they provide personalized consultations that can help you find the best coverage and save on premiums.
For more information, visit:
.avif)
