Protect & pass on# Compare 34 insurance companies, optimise your insurance. A FINMA-registered insurance adviser, Helvate compares offers from 34 insurance companies to guarantee you the best cover, with the right balance between protection and budget. Independent, transparent, no obligation - a single point of contact for all your insurance. [Discover our offers](#offres) Book a meeting 500+ clients supported 1 single point of contact 20+ areas of expertise 7+ languages spoken ![FINMA](https://www.helvate.ch/storage/sections/certifications/helvate-certification-finma-4.webp) ![myAFA](https://www.helvate.ch/storage/sections/certifications/helvate-certification-myafa.webp) ![FER CIAM](https://www.helvate.ch/storage/sections/certifications/helvate-certification-fer-ciam-3.webp) ![IGE](https://www.helvate.ch/storage/sections/certifications/helvate-certification-ige.webp) Free service No obligation ![LAMal](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-lamal-2.svg) ## Health insurance - LAMal Basic health insurance LAMal is mandatory for everyone residing in Switzerland. **Helvate** compares 34 companies (Helsana, Groupe Mutuel, Swica, Visana, etc.) and negotiates the best terms for you, including deductibles and alternative models. - Independent comparison of LAMal premiums across 34 health insurers - Personalised advice to choose the deductible that fits your budget and situation - Alternative models: family doctor, HMO, Telmed - savings of up to 20% - We lower your premium if we find a better deal elsewhere Fill in the form Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![LCA](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-lca-2.svg) ## Supplementary insurance LCA supplementary insurance extends your coverage beyond LAMal basic benefits: hospitalisation, dental care, glasses, complementary medicine, mental health support and cover while travelling. - Private or semi-private hospitalisation, in Switzerland and, depending on your cover, abroad - Dental care, glasses and complementary medicine, as provided for in your contract - Broader access to benefits and specialists, within the scope of your chosen cover - Tailored recommendations based on your age, family situation, needs and budget Fill in the form Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![LAA](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-laa-2.svg) ## Accident insurance In Switzerland, LAA is mandatory for every employee, including salaried directors of a Sàrl/SA. Self-employed people without a salaried structure can take it out voluntarily. **Helvate** structures the most cost-effective cover for your status. - Mandatory LAA for employers: statements, premiums, claims management - Occupational cover from 8 hours of work per week - Daily allowances in case of incapacity to work - Medical costs covered, pensions in case of disability or death Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![RC](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-rc-3.svg) ## Liability insurance Professional liability insurance covers damage that you or your employees may cause to third parties in the course of your business. For entrepreneurs, it's often a condition required by clients and partners. - Professional liability: errors, omissions, negligence - Operational liability: damage caused during business activity - Private liability extension for directors, with a selection of partner insurers - Insured amounts up to CHF 10 million depending on your sector/activity Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![AV](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-av-2.svg) ## Vehicle insurance Motor liability, partial or comprehensive casco, company vehicles and fleets: **Helvate** compares premiums and adjusts your cover to actual use - including leasing and utility vehicles. - Mandatory motor liability + casco cover matched to actual value - Fleets and utility vehicles under a framework contract - Optimised bonus protection and glass breakage cover - Annual comparison: switching insurer with no friction Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![Home](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-home-2.svg) ## Home insurance Household insurance protects the contents of your home and your private liability. **Helvate** compares insurers' offers for you and selects the cover best suited to your situation. If you run a business from home, we make sure its specific risks (equipment, stock, IT hardware) are covered too. - Your property protected: fire, water damage, theft, glass breakage, storm, vandalism - Extended cover for your home-based business: equipment, furniture, IT hardware - Private liability included for owners and tenants - International extension for valuables: art, electronics, jewellery Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![PJ](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-pj-2.svg) ## Legal protection Legal protection covers lawyer's fees, expert costs and legal proceedings in the event of a dispute. A genuine safety net for entrepreneurs and individuals alike, in the event of a commercial, employment or administrative conflict. - Commercial disputes: customers, suppliers, competitors - Labour law: dismissal, employment tribunal disputes - Administrative law: authorisations, permits, dealings with authorities - Cover up to CHF 1,000,000 per claim Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Partners## A connected ecosystem Helvate is connected to Swiss insurance companies and pension institutions. We compare their offers with complete independence and negotiate the best terms for you. - 100% independent - 34+ offers - Response within 24h ![AXA](https://www.helvate.ch/storage/1/conversions/helvate-axa-badge.webp) ![Generali](https://www.helvate.ch/storage/2/conversions/helvate-generali-badge.webp) ![Groupe Mutuel](https://www.helvate.ch/storage/21/conversions/helvate-groupe-mutuel-badge.webp) ![Helsana](https://www.helvate.ch/storage/4/conversions/helvate-helsana-badge.webp) ![Vaudoise](https://www.helvate.ch/storage/5/conversions/helvate-vaudoise-badge.webp) ![Assura](https://www.helvate.ch/storage/27/conversions/helvate-assura-badge.webp) ![Helvetia](https://www.helvate.ch/storage/26/conversions/helvate-helvetia-badge.webp) ![Swica](https://www.helvate.ch/storage/25/conversions/helvate-swica-badge.webp) ![Swiss Life](https://www.helvate.ch/storage/23/conversions/helvate-swiss-life-badge.webp) ![Visana](https://www.helvate.ch/storage/24/conversions/helvate-visana-badge.webp) ![Allianz](https://www.helvate.ch/storage/22/conversions/helvate-allianz-badge.webp) ![](https://www.helvate.ch/images/helvate-mark.svg) Have any questions?## FAQ - Insurance Which insurance policies are compulsory for a business in Switzerland? Your insurance obligations depend on your company's legal form and whether or not you have employees. For the 1st pillar (AVS/AI/APG), registering with a compensation fund is compulsory in all cases, whether you are self-employed or a salaried director of your own SA or Sàrl. If you set up an SA or a Sàrl, you are legally considered an employee of your own company. The social insurance schemes linked to your salary therefore become compulsory: accident insurance (LAA), covering occupational accidents from the first hour of work and non-occupational accidents once you work a certain number of hours per week, and occupational pension provision (LPP) as soon as your salary exceeds the statutory entry threshold. If you operate as a sole proprietorship, LPP and LAA remain optional for yourself, although strongly recommended to avoid any gap in cover. As soon as you hire your first employee, however, both become compulsory for that employee, whatever your company's legal form. Helvate works with you to identify the compulsory insurance that applies to your status and structure, so your business is protected from day one. How does the insurance comparison work? At Helvate, we don't just compare rates. We analyse your situation, your needs and your level of cover to identify the most relevant solutions among 34 companies. Premiums, deductibles, insurance models and benefits are examined closely to help you make an informed decision. What types of insurance are compared? Helvate supports you across all your insurance needs, with a comprehensive, personalised approach. Health, pension planning, assets and protection for your daily life or your business: we centralise your needs with a single point of contact. - Health & pension planning: LAMal, LCA supplementary cover and LAA accident insurance - Protecting your assets: liability, home and legal protection insurance - Mobility: vehicle insurance tailored to your use and profile - Businesses: protection solutions designed for the self-employed and companies Is the support free? Yes. Reviewing your situation, comparing solutions and our recommendation are entirely free, with no obligation. Helvate is remunerated by its partner insurance companies, with no effect on the amount of your premiums. Our remuneration model is presented to you transparently before you take out any policy, in line with applicable legal requirements. You therefore benefit from personalised, transparent support with no advisory fees. How much can I save on my LAMal? The amount you can save depends on your canton, your deductible, your insurance model and your personal situation. A precise analysis of these factors can significantly reduce your premium without compromising the quality of your cover. Helvate compares the different options (deductible, family doctor model, HMO or Telmed) to identify the most relevant balance between cost, freedom of choice and level of cover. Thanks to our annual follow-up, your cover can be reassessed over time to stay aligned with your situation. Do you handle switches and cancellations? Yes. Helvate handles all the steps involved in switching insurance, from cancellation through to setting up your new cover. We ensure deadlines are met, coordinate effective dates and check every step to avoid any gap in cover or double insurance. You benefit from end-to-end support, with the peace of mind of knowing every detail is taken care of. A free initial conversation## Let's discuss your needs, simply. Tell us about your situation, and we'll take it from there. - Full analysis - Response within 24h - No obligation Thank you! Your request has been noted — a Helvate advisor will get back to you shortly. Protect & pass on## In the same category [### Prepare for the future, make the most of today. Helvate structures your pension planning according to your goals: pillar 3a or 3b, LPP buy-ins, daily allowance cover an... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/pension-planning) [### Your everyday formalities, centralised. Delegate your administrative formalities to a single point of contact: each step is prepared, coordinated and followed t... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/administrative-formalities) [### Your family, a single point of contact. A financial concierge service designed as a family office: a dedicated adviser who knows your family, centralises your c... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/multi-family-services) [+41 22 342 55 55](tel:+41223425555) [contact@helvate.ch](mailto:contact@helvate.ch)