Hi,

I moved to Switzerland last year and I’ve been insured with SWICA since.

I was contacted by a private agency, and a person from Bonafides dot ch talked to me saying they could reduce my insurance costs since I’ve not claimed anything.

They recommended switching to [Liechtenstein Life insurance](https://liechtensteinlife.com/de-de/products/fondsgebundene-altersvorsorge).

I wanted to know:

a) any reviews of this particular insurance provider

b) is it worth making a switch from SWICA to this? If not, is there any other insurance provider you prefer?

7 comments

  1. Liechtenstein Life does not seem to be a health insurance. So this person is trying to sell you an additional insurance. It’s a private Pension scheme

  2. I’m with SWICA as well, and they’re among the top ranking health insurers in CH, for good reason. Unless you’re on an extremely tight budget, why would you switch?

    Besides, SWICA has a variety of healthcare plans which could potentially allow you to lower your monthly premium.

  3. I can recommend Helsana. Have been very happy with them so far (~30 years as supplementary insurance and currently also basic insurance).

  4. If you’re young, just go to comparis.ch and pick the cheapest one.

    If you’re older, it’s probably worth switching around a few times, until you find one that you like.

    You don’t want a health insurance where it takes 3 weeks to meet your GP…

  5. If you have just the basic mandatory health insurance coverage w/o any supplement than you can compare the premiums of all the different at the official government website: [https://www.priminfo.admin.ch/de/praemien](https://www.priminfo.admin.ch/de/praemien)

    Basic mandatory health insurance is government regulated and the premiums are fixed. No kind of negotiation or insider deal can change that. If somebody tells you otherwise they are liars and scumbags which want to steal your money (Except, if you are a non-working student which is from a non-EU/EFTA country, where some special exceptions apply which must be applied for BEFORE you get health insurance see [https://ethz.ch/en/studies/international-immigration-housing/health-insurance/nicht-eu.html](https://ethz.ch/en/studies/international-immigration-housing/health-insurance/nicht-eu.html) ).

  6. Best is you go to Comparis.ch, search for health insurance at your place and then choose the second cheapest option.

    The Swiss government defines a comprehensive base catalogue covering practically all potential health issues you might come across. And it doesn’t matter which healthcare provider you choose for basic insurance. No matter the price, all must cover what is included in the catalogue.

    You can think of an additional insurance, like private or half private. But that’s totally optional. You can have base insurance at Provider A and additional insurance at Provider B.

    So, second cheapest option is usually the best choice (as long as it is not Assura). You don’t get more from paying more.

  7. I realize you just moved to Switzerland last year, but if anyone contacts you and is trying to sell you something… You can be sure the only one profiting from it is them.

    Swica is one of the more expensive health insurers, but I’ve personally been happy with them. No BS about not covering something that they need to cover.

    As for third pillar insurance, unless you have a spouse that would be destitute if you die, then don’t even think about it. If you want to get third pillar, look into FinPension, Viac, etc.

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