insurance-guide.ch is an independent insurance advisory for people who live in Switzerland or are about to move here, with its head office at Zeughausstrasse 7B in Lyss and appointments in Zurich and Wollerau. The brand belongs to Vision Bohne, the sole proprietorship of advisor Nicole Bohne, and both advisors are entered in the FINMA register of insurance intermediaries. Calls take 45 minutes by video, in English, German or French, so it makes no difference which canton you live in.
For most clients the starting point is health insurance. Basic cover under the KVG must be in place within three months of taking up residence; do it inside that window and the policy runs back to your arrival date, leave it later and a premium surcharge applies. Because basic benefits are the same at every insurer, what matters is the insurer, the franchise between CHF 300 and CHF 2,500, and the model: family doctor, HMO or telemedicine. If you work at least eight hours a week for one employer, accidents are already covered under UVG and can be dropped from the health policy.
Beyond basic cover, the advisors look at hospital supplementary insurance, from flexible ward options to semi-private and private, and at dental cover. Because that cover is underwritten, an insurer can say no or exclude a condition, and every year you wait raises the entry age, so applying soon after you arrive tends to go smoothest. On the home side they check household contents insurance, where at least fire cover is compulsory in cantons such as Vaud and Fribourg, and private liability, which many landlords ask to see before handing over the keys. Legal protection, valuables and pet insurance are covered as well.
Nicole Bohne handles pensions and life cover: pillar 3a at a bank or with an insurer, with contributions of up to CHF 7,258 a year deductible in 2026 for employees with a pension fund, voluntary buy-ins into the pension fund, and life and disability cover sized to what the household would actually lose. Robert Kolar focuses on health insurance, basic and supplementary, hospital and accident. insurance-guide.ch also runs detailed guidance for people moving from Germany who need to wind down statutory or private German health insurance, and for cross-border commuters who must choose where to be insured.
Booking happens in an online calendar: choose a topic, then Robert Kolar, Nicole Bohne or whoever is free first, and the confirmation with a video link arrives by email. The first call and the written comparison cost nothing, even if you sign nothing afterwards; if you do take out a policy, the insurer pays a commission whose caps are published on the site. If you would rather meet face to face, you can arrange an appointment at the insurance-guide.ch Lyss head office, at Talacker 41 in Zurich or at the partner office in Wollerau.
