Services
Insurances
Six policies, reviewed as one set of cover.
BCS can assist with all insurance needs. Reach out and we can assist with anything required — household, building, car, legal, travel and medical.
Start here
If you are newly arrived, two covers are not optional.
You have up to 90 days to get your compulsory insurance in place. Both of these are time-bound, and both are cheaper to arrange properly than to correct later.
- Mandatory liability insurance — often part of household contents insurance, as well as car insurance. Also available as a single stand-alone cover, but cheaper when combined.
- Mandatory medical insurance — you must register within three months of cantonal registration. Cover is backdated to your arrival date and all premiums for that period must be paid. Miss it, and the canton can assign you an option — often more expensive — plus possible surcharges.
What we arrange
The cover expats in Switzerland actually need.
Household & contents
Covers your possessions, and ordinarily carries the personal liability cover that Swiss landlords and letting agents expect to see. Liability is cheaper combined here than bought on its own.
Building
For owners: cover for the structure itself. Requirements differ by canton, and some cantons operate their own building insurance scheme.
Car
Third-party liability is mandatory before a vehicle can be registered. Partial and fully comprehensive cover are then a question of the vehicle's value and your excess.
Legal protection
Private, traffic and tenancy legal cover — the policy that matters most when a dispute arrives in a language and legal system that is not your own.
Travel
Annual cover for cancellation, medical assistance and repatriation, which frequently overlaps with what your credit card and basic medical insurance already provide.
Medical
Compulsory basic insurance (KVG/LaMal) plus supplementary cover. Deductibles, models and supplementary options are where most expats overpay.
Book a consultation
Send us your policies. We will tell you what is missing.
Whether you have just landed or have been here for years, a single review across every policy is the fastest way to find both the gaps and the savings.