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Read the document, keep the original term

Decode insurance terms used in Switzerland.

Search for a word or abbreviation found in a policy, general conditions, statement or letter. The French, German and Italian originals remain visible and an informational explanation appears in English. English wording is a reading aid, not an official legal translation, and no contract is interpreted.

24bounded concepts
5Category
9interface languages

Sources checked on 28 August 2026

Swiss contract vocabulary

Search for a term or abbreviation

Search for a word or abbreviation found in a policy, general conditions, statement or letter. The French, German and Italian originals remain visible and an informational explanation appears in English. English wording is a reading aid, not an official legal translation, and no contract is interpreted.

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Swiss contract vocabulary

Insurance term decoder

Understand 24 common Swiss insurance concepts in nine languages while keeping the French, German and Italian originals visible, with clear limits and federal sources.

24 terms found

Regimes and legal frameworkBasic health insurance · LAMal/KVG

Mandatory health-care insurance

Original terms FR · DE · IT + English reading aid

FR
assurance obligatoire des soins
DE
obligatorische Krankenpflegeversicherung
IT
assicurazione obbligatoria delle cure medico-sanitarie
EN
Mandatory health-care insurance

Abbreviations to recognise

  • AOS
  • OKP
  • AOMS

General explanation

This is the Swiss basic health-insurance regime. AOS, OKP and AOMS are the French, German and Italian abbreviations for the same institutional designation.

Where it commonly appears

Insurance certificate, basic-insurance policy, benefits statement or health insurer correspondence.

Regimes and legal frameworkSupplementary insurance · private contract

Supplementary insurance

Original terms FR · DE · IT + English reading aid

FR
assurance complémentaire
DE
Zusatzversicherung
IT
assicurazione complementare
EN
Supplementary insurance

General explanation

Usually a private contract adding selected protections to basic insurance. Its content is not standardised like the basic-insurance benefits catalogue.

Where it commonly appears

Offer, supplementary policy, questionnaire, general conditions or insurer letter.

Regimes and legal frameworkBasic health insurance · LAMal/KVG

LAMal / KVG

Original terms FR · DE · IT + English reading aid

FR
loi fédérale sur l’assurance-maladie
DE
Bundesgesetz über die Krankenversicherung
IT
legge federale sull’assicurazione malattie
EN
LAMal / KVG

Abbreviations to recognise

  • LAMal
  • KVG

General explanation

LAMal in French and KVG in German identify the Swiss Federal Health Insurance Act. They name legislation, not a particular commercial product.

Where it commonly appears

Decision, statement, official form, basic policy or legal reference.

Regimes and legal frameworkAccident insurance · LAA/UVG/LAINF

LAA / UVG / LAINF

Original terms FR · DE · IT + English reading aid

FR
loi fédérale sur l’assurance-accidents
DE
Bundesgesetz über die Unfallversicherung
IT
legge federale sull’assicurazione contro gli infortuni
EN
LAA / UVG / LAINF

Abbreviations to recognise

  • LAA
  • UVG
  • LAINF

General explanation

LAA, UVG and LAINF are the French, German and Italian abbreviations for the Federal Accident Insurance Act and are also used when referring to that regime.

Where it commonly appears

Employer certificate, accident notification, decision, statement or policy.

Regimes and legal frameworkPrivate insurance · LCA/VVG

LCA / VVG / ICA

Original terms FR · DE · IT + English reading aid

FR
loi sur le contrat d’assurance
DE
Versicherungsvertragsgesetz
IT
legge sul contratto d’assicurazione
EN
LCA / VVG / ICA

Abbreviations to recognise

  • LCA
  • VVG
  • ICA

General explanation

LCA and VVG are the French and German abbreviations for the Swiss Insurance Contract Act. ICA is an informational English abbreviation; the officially published language texts govern.

Where it commonly appears

Private policy, general conditions, amendment notice, cancellation or legal correspondence.

Documents and rolesPrivate insurance · LCA/VVG

General insurance conditions

Original terms FR · DE · IT + English reading aid

FR
conditions générales d’assurance
DE
Allgemeine Versicherungsbedingungen
IT
condizioni generali d’assicurazione
EN
General insurance conditions

Abbreviations to recognise

  • CGA
  • AVB
  • T&Cs

General explanation

CGA, AVB and condizioni generali contain standard contract rules such as definitions, exclusions, duties and procedures. T&Cs is only a general English search aid.

Where it commonly appears

Document supplied with an offer and incorporated by a policy or endorsement.

Documents and rolesCross-regime term · check the regime

Insurance policy

Original terms FR · DE · IT + English reading aid

FR
police d’assurance / police
DE
Versicherungspolice / Police
IT
polizza d’assicurazione / polizza
EN
Insurance policy

General explanation

The policy commonly summarises the parties, product, period and particular contract terms.

Where it commonly appears

Main contract document, certificate, customer portal or renewal attachment.

Documents and rolesCross-regime term · check the regime

Policyholder

Original terms FR · DE · IT + English reading aid

FR
preneur d’assurance
DE
Versicherungsnehmer / Versicherungsnehmerin
IT
stipulante
EN
Policyholder

General explanation

The policyholder is the person or entity entering the contract and may be different from the insured person.

Where it commonly appears

Parties section of a policy, proposal, invoice or amendment form.

Documents and rolesCross-regime term · check the regime

Insured person

Original terms FR · DE · IT + English reading aid

FR
personne assurée / assuré
DE
versicherte Person
IT
persona assicurata / assicurato
EN
Insured person

General explanation

The person to whom the document links a described risk or protection, according to the relevant regime and terms.

Where it commonly appears

Policy, certificate, insurance card, notification or decision.

Premiums and cost sharingCross-regime term · check the regime

Insurance premium

Original terms FR · DE · IT + English reading aid

FR
prime d’assurance / prime
DE
Versicherungsprämie / Prämie
IT
premio assicurativo / premio
EN
Insurance premium

General explanation

The amount requested for the stated product and period. Its frequency and components must be read in the document.

Where it commonly appears

Offer, invoice, policy, premium notice or annual statement.

Premiums and cost sharingBasic health insurance · LAMal/KVG

Cost sharing

Original terms FR · DE · IT + English reading aid

FR
participation aux coûts
DE
Kostenbeteiligung
IT
partecipazione ai costi
EN
Cost sharing

General explanation

In basic health insurance, this groups mechanisms through which the insured person bears part of certain costs.

Where it commonly appears

Benefits statement, health-insurer invoice or official LAMal/KVG information.

Premiums and cost sharingCross-regime term · check the regime

Deductible / franchise

Original terms FR · DE · IT + English reading aid

FR
franchise
DE
Franchise
IT
franchigia
EN
Deductible / franchise

General explanation

An amount borne under the mechanism specified by the regime or contract before possible further cost participation.

Where it commonly appears

Policy, offer, benefits statement, comparison or general conditions.

Premiums and cost sharingBasic health insurance · LAMal/KVG

Percentage co-payment

Original terms FR · DE · IT + English reading aid

FR
quote-part
DE
Selbstbehalt
IT
aliquota percentuale
EN
Percentage co-payment

General explanation

In LAMal/KVG documents, quote-part, Selbstbehalt and aliquota percentuale identify the proportional participation applied after the franchise under the relevant rules.

Where it commonly appears

Benefits statement, health-insurer invoice or FOPH information.

Premiums and cost sharingBasic health insurance · LAMal/KVG

Hospital contribution

Original terms FR · DE · IT + English reading aid

FR
contribution aux frais de séjour hospitalier / contribution hospitalière
DE
Spitalbeitrag
IT
contributo ai costi di degenza ospedaliera / contributo ospedaliero
EN
Hospital contribution

General explanation

Within LAMal/KVG cost sharing, this is a separate contribution associated with certain hospital stays under the applicable rules.

Where it commonly appears

Benefits statement, hospital invoice or official cost information.

Coverage and limitsCross-regime term · check the regime

Insurance coverage

Original terms FR · DE · IT + English reading aid

FR
couverture d’assurance / couverture
DE
Versicherungsschutz / Deckung
IT
copertura assicurativa / copertura
EN
Insurance coverage

General explanation

Coverage describes the risks, people, places, periods and benefits addressed by a regime or contract, together with its limits.

Where it commonly appears

Benefits table, policy, general conditions, certificate or decision.

Coverage and limitsCross-regime term · check the regime

Insurance benefit

Original terms FR · DE · IT + English reading aid

FR
prestation d’assurance / prestation
DE
Versicherungsleistung / Leistung
IT
prestazione assicurativa / prestazione
EN
Insurance benefit

General explanation

A benefit is a described response, such as reimbursement or a service, when the applicable conditions are met.

Where it commonly appears

Benefits catalogue, general conditions, statement, decision or letter.

Coverage and limitsCross-regime term · check the regime

Insured risk

Original terms FR · DE · IT + English reading aid

FR
risque assuré / risque couvert
DE
versichertes Risiko
IT
rischio assicurato
EN
Insured risk

General explanation

The uncertain event or situation that the document places within the contract’s scope, subject to its definitions and limits.

Where it commonly appears

Subject matter, benefits table, definitions or general conditions.

Premiums and cost sharingPrivate insurance · LCA/VVG

Insured sum

Original terms FR · DE · IT + English reading aid

FR
somme d’assurance / somme assurée
DE
Versicherungssumme
IT
somma d’assicurazione / somma assicurata
EN
Insured sum

General explanation

In a private contract, this is a reference amount stated for a benefit, property, event or period.

Where it commonly appears

Benefits table, policy, inventory or special conditions.

Coverage and limitsPrivate insurance · LCA/VVG

Exclusion

Original terms FR · DE · IT + English reading aid

FR
exclusion de couverture / exclusion
DE
Deckungsausschluss / Ausschluss
IT
esclusione della copertura / esclusione
EN
Exclusion

General explanation

A clause removing specified events, causes, activities, people or situations from the described contract scope.

Where it commonly appears

General or special conditions, benefits table or reasoned decision.

Coverage and limitsSupplementary insurance · private contract

Insurance reservation

Original terms FR · DE · IT + English reading aid

FR
réserve d’assurance / réserve
DE
Versicherungsvorbehalt / Vorbehalt
IT
riserva assicurativa / riserva
EN
Insurance reservation

General explanation

In some private contracts, a reservation may limit protection for a defined matter. Its meaning and effect depend on the document establishing it.

Where it commonly appears

Admission decision, supplementary policy, endorsement or special conditions.

Contract and eventCross-regime term · check the regime

Insured event / loss event

Original terms FR · DE · IT + English reading aid

FR
sinistre / événement assuré
DE
Versicherungsfall / versichertes Ereignis
IT
sinistro / evento assicurato
EN
Insured event / loss event

General explanation

Here, French sinistre is linked to German Versicherungsfall and Italian sinistro. “Insured event” is a reading aid and must not be reduced to the broad English word “claim”.

Where it commonly appears

Event notice, handling correspondence, decision, policy or general conditions.

Contract and eventCross-regime term · check the regime

Notification of an insured event

Original terms FR · DE · IT + English reading aid

FR
déclaration de sinistre / avis de sinistre
DE
Schadenmeldung / Unfallmeldung
IT
notifica del sinistro / annuncio d’infortunio
EN
Notification of an insured event

General explanation

The communication by which an event and its facts are reported to the contact identified in the documents. “Claim notification” is a search aid, not a translation of the whole matter.

Where it commonly appears

Online form, accident notice, letter, app or receipt confirmation.

Contract and eventPrivate insurance · LCA/VVG

Cancellation / termination

Original terms FR · DE · IT + English reading aid

FR
résiliation / délai de résiliation
DE
Kündigung / Kündigungsfrist
IT
disdetta / termine di disdetta
EN
Cancellation / termination

General explanation

A step intended to end an insurance contract or relationship under the applicable rule, form and date.

Where it commonly appears

Policy, general conditions, premium notice, cancellation letter or receipt confirmation.

Contract and eventCross-regime term · check the regime

Insurance year

Original terms FR · DE · IT + English reading aid

FR
année d’assurance
DE
Versicherungsjahr
IT
anno d’assicurazione
EN
Insurance year

General explanation

The annual period defined by the regime or contract; it does not always mean twelve months after an expense or event.

Where it commonly appears

Policy, general conditions, annual statement, franchise table or renewal.

A decoder, not legal interpretation

Meaning can change with the insurance regime, policy, conditions and facts. The equivalents help reading but are not certified legal translations. Only the applicable documents, insurer, authority or qualified adviser can confirm an obligation, entitlement, coverage, deadline or benefit. English explanations are informational; the binding official wording may be French, German or Italian.

Official federal reference sources

ClairAssur.ch

Tools

Meaning can change with the insurance regime, policy, conditions and facts. The equivalents help reading but are not certified legal translations. Only the applicable documents, insurer, authority or qualified adviser can confirm an obligation, entitlement, coverage, deadline or benefit. English explanations are informational; the binding official wording may be French, German or Italian.