Decide with visible rules

Useful Swiss insurance tools

Thirty-one free tools to navigate insurance by situation, decode Swiss terms, flag cover to verify, explore supplied search intents, understand LAMal costs and models, calculate ordinary 3a room and separately prepare a possible retroactive purchase, check a policy transition, consult the official insurer directory, clarify accident cover and organise tasks, without invented prices or automated recommendations.

31Tools
9languages
100%transparent rules

Every result uses only your inputs and shows the applied method. Exceptions are stated and official sources remain directly accessible.

01Guidance by life situation

Insurance for your situation

Connect your situation with useful guides, tools and pathways without profiling or an automated product recommendation.

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02Swiss contract vocabulary

Insurance term decoder

Look up a French, German or Italian term from a Swiss insurance document and read a cautious explanation without uploading the document.

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03Contracts to check

Coverage overlap map

Identify protections that may appear relevant to the same situation, then check the policy, terms, exclusions and the insurer’s written decision.

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04Multilingual CSV corpus

Explore insurance searches

Browse phrases from the supplied CSV corpus without treating them as Google search volumes or recommendations.

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05Deductible and retention fee

Health cost sharing

Estimate the ordinary deductible and retention fee from annual costs you enter, with visible formula, caps and limitations.

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06LAMal · annual costs

Compare LAMal deductibles

Add your own annual premiums and estimated ordinary cost sharing for each deductible.

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07Premiums · private calculation

Compare two annual premiums

Annualise two entered amounts and compare their difference, including optional one-off fees.

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08LAMal · check before calculation

Check two LAMal offers

Confirm that two offers use the same basis before comparing the amounts you enter.

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09Private policies · local check

Check two private offers

Check whether two offers use the same declared basis before considering their premiums.

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10Policy change · local check

Check a private policy transition

Align declared dates and confirmations before replacing a private insurance policy.

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11Neutral Swiss insurance checklist

Plan a basic-insurance switch

Organise dates, checks and steps for switching Swiss basic insurance without sending your answers.

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12Care pathways with visible rules

Educational comparison of Swiss basic insurance models

Compare the general care pathways of Standard, family doctor, HMO and telemedicine models without prices or recommendations.

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13Verified federal source

KVG/LAMal directory

Search locally across 34 health insurers from the official FOPH list effective 1 January 2026, with FOPH number, published name and listed website.

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14FOPH 2027 · postcode and municipality

Find the LAMal premium region

Look up the provisional 2027 region published by FOPH and explicitly choose the municipality when a postcode is shared.

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15Official cantonal support

Premium reduction by canton

Find the official authority for health-insurance premium reductions in each of Switzerland’s 26 cantons.

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16Moving to Switzerland

Insurance checklist for newcomers

Separate compulsory health insurance, situation-specific steps, private cover and cantonal duties without entering personal data.

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17Accidents in Switzerland

Accident cover: UVG/LAA or LAMal?

Identify the system that generally applies to your work situation without sending personal data.

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18Motor insurance

Liability and casco planner

Structure the vehicle cover checks without entering or transmitting personal data.

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19Travel insurance

Prepare travel cover checks

Turn broad travel categories into verification questions without transmitting personal data.

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20Legal protection

Prepare legal protection cover

Turn five broad choices into contract questions without describing a dispute or transmitting your answers.

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21Private pension planning

Prepare a pension-planning project

Turn broad preferences into questions to verify without transmitting personal data.

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22Pillar 3a · local calculation

Calculate remaining 3a room

Separate the ordinary ceiling from the room left after your credited 2026 contributions.

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23Pillar 3a · 2026 purchase

Prepare a 3a purchase for 2025

Calculate the 2025 gap and review the declarations before contacting your institution.

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24Life protection

Map life protection questions

Turn broad building blocks into four policy-question sections, without personal data or calculation.

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25Budget · private calculation

Household insurance budget

Put six insurance areas on one annual basis using only the amounts you provide.

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26Private inventory in your browser

Household contents inventory

Create a private household contents inventory and total only the values you enter, with no storage, transmission or automatic valuation.

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27Plan your notice

Cancellation deadline

Subtract the notice period written in your policy and add your own sending buffer, without inventing a legal deadline.

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28Document created locally

Insurance cancellation letter generator

Prepare a free printable insurance cancellation letter. Your data stays in the browser and no legal deadline is assumed.

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29Before requesting a comparison

Prepare a file

Six free checklists for Swiss health, pension, car, household, legal protection and travel insurance comparisons. Checkbox state remains temporary.

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30After an insured event

Prepare a claim

Six checklists in nine languages for organising facts and documents after an insurance event in Switzerland, without sending or storing personal data.

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31Temporary personal chronology

Claim journal

Create a factual, temporary journal after an insurance event in Switzerland, with optional dates, explicit sorting, local printing and no data transmission.

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Next step

Prepare a comparison request

Choose the insurance area that matches your need. The form opens on a protected page and you remain free not to submit it.

This block asks for no personal information.

ClairAssur.ch

Continue with reliable information

Read the guides, explore regional pages or prepare a comparison request separately from the calculation.