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General insurance
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Switzerland is a paradise for people who like their security, as well as for insurance specialists. The excellent reputation of the insurers also rests on the fact that despite being involved in the business of risk, there has never been a single bankruptcy in the sector. Essentially, anything can be insured. The most common insurance policies are listed here.
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Insurance in Switzerland
Switzerland is a veritable nirvana for insurance specialists and those who place great value on security. The good reputation enjoyed by insurers also rests on the fact that despite the inherently risky nature of the business, there has never been a single bankruptcy in the sector. In principle, anything can be insured. The most widespread insurance policies are listed below.
Personal accident insurance
In Switzerland a variety of insurance policies are required by law to cover employees and the non-employed against the economic repercussions of accidents. Employers are obliged to take out accident insurance cover for all employees who work twelve or more hours per week. The premiums can be passed on wholly or in part to the insured individuals. The cost of treating the consequences of accidents can also be covered by a supplementary premium in existing health insurance policies. Numerous private insurance companies also offer "Unfall-Versicherungs-Policen" (Accident insurance policies). Possible supplementary benefits include sums payable upon death or invalidity, per diem allowances in the event of incapacity for work or during hospital admissions, and special convalescence costs. Here it is worth assessing one's individual requirements carefully in order to ensure that sufficient insurance protection is available in the event of an emergency.
Personal liability insurance
One can be exposed to a great variety of potential liability risks in one's day-to-day life. Damaging third-party property or injuring a third-party individual establishes an obligation to pay compensation. Compensation claims can be extremely high when individuals are involved. The "Privathaftpflicht-Versicherung" (Personal liability insurance) protects the policyholder against such financial risks.
Household contents insurance
Losses caused by fire and natural disasters, theft, water and broken glass are risks to which household property is exposed at all times. The "Hausrat-Versicherung" (Household contents insurance) protects furniture and personal effects from such risks.
Motor vehicle insurance
Driving is an inherently hazardous activity - for the driver, for passengers, for other road-users and for the vehicle itself. The "Motorfahrzeug-Versicherungs-Police" (Motor vehicle insurance policies) can be tailored to meet the particular requirements of any individual. Third-party liability insurance is obligatory, and covers injuries to persons and damage to property. Partial vehicle insurance provides cover for fire, theft, damage caused by the elements, collisions with animals etc. Fully-comprehensive insurance policies extend cover to include collisions involving the policyholders own vehicles.
Legal expenses insurance
Day-to-day life is governed by a bewildering variety of laws and regulations. And new regulations are constantly being added. Non-lawyers often find it difficult to safeguard their legal rights. In the event of disputes with neighbours, with employers, with tour operators or in the event of road accidents, the "Rechtsschutz-Versicherung" (Legal expenses insurance) acts as a partner in the interests of policyholders.
Miscellaneous
Further potential policies include valuables insurance, property insurance, artwork insurance or travel insurance etc. There is also extensive choice in the field of life insurance and endowment insurance, with the widest possible variety of potential policy combinations.
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